Hi, I got a few best answers

from people asking the same question after I sent them here,

I think it’s the student card that did the trick, might be on the first link down

http://credit-cards.ebookorama.com

http://finance.ebookorama.com

if you get any luck please don’t forget about me lol, hope it helped you!

That depends on you– Do you trust yourself to not charge back up the credit card? Be honest with yourself. If you are a habitual charger, then pay down the student loan. Not judging anyone here–just talking from personal experience, i’m not good with credit cards. Once the student loan is paid, it’s paid, you can’t get that money back. But by paying down the credit card, you could go right back and re-charge up the balance you just paid off. Then you are right back into the situation you are now, only without the tax refund. If you have already gotten rid of the card, and definately will not use it again, then it more depends on the balance. Just because the student loan has a higher rate, dosen’t mean you are paying more interest per month, if it has a lower balance than the card, you might not be. Pay down which ever one you are paying more interest per month on. And, yes the payment could be important here, too. Remember that as you pay down the credit card, the minimum payments will get lesser. Student loan payments tend to stay the same over the life of the loan. I’m not saying you should ever pay the minimum on a credit card, but sometimes emergencies happen, and it’s all you can do. If you are worried about an emergency fund, don’t pay down the credit card for that. Put all or part of the money into some kind of interest bearing savings account that you can only access by going down to the bank–the bank can help you with that. That makes it a lot harder to spend it on luxury items, yet it’s still accessible in a major emergency. Credit limit on a credit card is not emergency savings. Yes, it’s good to have in case of an emergency, but savings in case of an emergency is much better to have.

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Just make sure the interest rate for student loan is lower than your credit card.

You can, but it would be an unwise decision. Getting yourself into deeper debt to try and pay off another debt will only serve to further your downward spiral into high interest rates and debt repayment plans.

I believe you should pay off your credit card debt, then save to attend classes.

No. Or maybe, but you’ll be very lucky.

You need to consolidate your debts and get a realistic monthly payment.

Then you’ll be able to go back to school full time.

Ask your school’s financial aid office to make sure, maybe you qualify to some grants.

Good luck !

I am not certain that this would be legal. You may want to check with your Financial Aid Department.

You’re not serious are you?

That’s not how student loans work.