<prompt> Human: Im on the right track towards having the funds to pay off my 10k Perkins loan this November currently in grace period. I have the Chase Freedom Unlimited card with a 7k limit. Would it be unwise to max out the card, then pay it off, to get the points? I wont be going into debt, since I have the cash available.Also, I have an emergency fund, so Im not paying this off blind, its been an extreme savings effort since December.Thanks!  <response>: Most loan providers wont even let you do this. If they do allow it its very likely there would be fees which would negate any cash back you might earn. 