<human>: Give me a shortened version of the text

Hey /r/PersonalFinance:

So I have some unexpected student loan money being offered to me. My initial student loan for $10,500, received in January, was for Spring and Summer terms, and I budgeted accordingly (rent, tuition, books, etc.). I managed fine, but still had to take on some credit card debt.

Now I just received another check for $10,500 for the Summer term, even though I've already paid Summer tuition. I don't have to take all of it, but considering that at present I don't have a job waiting for me after graduation, having that cash would be really useful.

My question to you all is if I should take that money even though I don't need it right now, but might need it later. I also have the option of only taking *some* of it.

I guess my options are:

* Take all of the money, use it to pay rent, fly to out-of-town interviews, etc.

* Take part of it, e.g. just enough to pay off my current CC debt ($2500ish)

* Take none of it, save myself some stress later in life and just really budget well to get by

Thanks in advance for any insight. If there's been a similar post, I wouldn't be hurt if you linked me to it. As I understand it, student loan debt is "less harmful" than CC debt, but I also have friends who say that CC debt is "easier to discharge," which I still don't understand.
<bot>: Offered a loan I don't really need, but might be helpful. Options are take all, take some of it, or take none.