<prompt> Human: I only have a few thousand in student loans from my freshman year, and thanks to working 20-30 hours a week this year while in school, I now have enough in savings to pay off the debt. Ive thought about getting a credit card, using that to pay off the debt, and then using my savings to pay off the credit card balance immediately. I figure this will build credit while also getting me some milescash back. Im skeptical though because this sounds too much like a free lunch. Is this a good idea, or am I majorly missing something?  <response>: Usually student loans will not accept credit card as a payment.Simply use the card for regular expenses gas, food, etc. and pay the statement in full when it comes in. 