pay off my graduate student loans

I moved my grad student loans from Sallie Mae onto credit cards. This saved me about 3.5% in interest (went from 7.9% rate to 3.9% and 4.9% rates). So technically, they are not entirely paid off; they’ve just become credit card debt instead of “student loans.”

However, I had over $66K in total debt when I moved them to the cards, and now I have less than $15K in debt. Since my student loans were around $48K when I moved them, I can say I’ve paid those loans off.