<prompt> Human: So just finished school and drowning in debt. I finally got job and received first pay check. Was wondering how to approach my debt to pay it off best way. I have four credit cards:1. Capital one: Card limit: 1800 Balance: 1800Interest: 1.52. Chase sapphire: Card limit 5000 Balance: 4900Interest 1.53. Southwest chase: Card limit 5000 Balance: 4946Interest: 1.54. Southwest chase 2: Card limit 4000 Balance: 3990Interest: 1.5 Student debt: 24,444 Interest: 4.66Payments are required by January 2017.  <response>: Check the rates on the cards --something as low as 1.5 has got to be a promo rate first year, etc. Check the dates you got them. Dont be surprised if they turn into 17 if they are maxed out. 