Financial Advise???

I'd check out these two sites for more info: getrichslowly.com and thesimpledollar.com

They often have responses to these questions and more about all these financial questions of this nature. If you email them with the question, they may be able to respond to you with what they suggest, and usually it's very similar between the two. Even if you don't check them out right now, these are two great sites to check out often just to skim the headlines to see if there is any post that may pertain to you. I only have one CC, and nothing else but school loans, but I'm always finding valuable info that I can hold on to for later, or use now, even as a student.