Hello guys it's been a while since I posted here. Well I just did my taxes and am getting $8100 back. This year instead of spending it recklessly like always I will be paying off some stuff. 1. CC $2100 2. Private student loan $4492 3. Emergency Fund $1500 I have 2 other student loans as well that are on an income repayment plan and because I don't make alot of money I pay 0 on them. I'm hoping now that I will be finally starting a new job make triple what I do now I can start repaying those. I owe 2900 on the cc but really want to put some money on into emergency fund. Only paying 2100 for now. Question for all I've had this cc for over 10 years and if I close the acct my credit score with definitely take a hit. Was wondering do you guys think I should close it and open up a new one, I opened this cc years ago because I used to travel for business alot and got miles on AA and it was worth having. Now when I fly I fly whatever airline is cheap lol. Should I get a better cc for the miles or keep this one? Also does anyone have any experience calling the student loan and trying to settle for less money?
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