If you're debt only totals to $4,500, I'd just sit tight and pay as much as you can every month. Another thing to check is to see which card how a lower interest, and pay the minimum on that for a little while, and pay the maximum on the higher interest one. Typically student loans are about 5-6%, and it seems like your loan amount is fairly minimal, so you won't be racking up that much in interest there. I would focus on the credit cards first, if I were you.