<prompt> Human: I have the option to receive up to 7.5k in subsidized student loans this semester and am wondering if I should take it to pay down credit cards so I can stop making such large monthly payments and defer all my debt until 6 months after I have been out of school and have a steady income.  <response>: I guarantee that the credit cards have a much higher interest rate. That means that the longer you take to pay them down, the more money youll lose.x200B;You should start thinking about why you have so much credit card debt, and start thinking about ways to keep your spending more in line with your income. 