Sure but there’s a mathematical/dollar value associated with having a better emotional state. And it’s such a small amount of money, it’s just not worth any effort/stress/time to arbitrage a $20,000 loan at 3% against a hysc at 4%.

The best savings account these days is probably 4% tops, so the amount saved between putting money there vs paying off the student loans is like $20 a month. I think the peace of mind of not having that debt over your head is worth $20 a month to most people, but it’s not wrong either way. There’s also the reality that most people will SAY they’re going to pay the minimum and invest the rest, but in reality they pay the minimum and spend the rest. Paying down debt is irrevocable forced savings.

Unless the credit card debt was the result of a medical emergency… you borrowed so much money that you couldn’t pay it back and now you’re being hounded by collectors! You already apparently own a house so why in the world are you focusing on what will allow you to borrow more money again in the future (your credit score) rather than just getting out of debt and making sure not to make the same mistakes again?

Spend less than you make, no matter what. Initially you might have to just work a lot of hours at potentially multiple hourly jobs, but long run def look at finding a trade that doesn’t require a degree.. Mechanic, Nanny, orderly, chef, plumber…

But whatever you do, just… spend less than you make