What Jerz is saying makes a lot of sense, especially regarding your credit card debts. For example, I am not sure what the interest rate on GradPlus loan is (I am fortunately not taking out any debt to pay for bschool), but I think it is around 9-10%. That is significantly lower than most credit card APR%. Therefore, I would probably take out additional loan at lower rate and payoff at least your credit card debt.
Right now, GradPLUS is 7.9% if your school participates in the direct lending program (money comes right from the govt) or 8.5% if it doesn't (money comes from a bank, with a govt guarantee). Many schools (including Northwestern) have switched to the direct lending program for the upcoming academic year in anticipation of the Obama administration doing away with bank involvement in student lending (a provision to do just that is included in the healthcare "reconciliation" bill that passed the House and is now in the Senate), but I don't know if the direct lending program will stay with the 7.9% rates once they're the only game in town.
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