As you know, because I tell you all the time, I get a ton of mail! Today, I reached into my virtual mailbag and pulled out two reader questions, neither of them having easy answers. But hopefully this will make you think of your own situation in light of these questions and my responses. Dear Mary: I borrowed more money on my student loan than I need to pay for school. Should I use this extra money to pay off an 11.49 percent interest credit card balance? I am currently in graduate school, so I don’t have to start paying my student loan back until December. I believe the interest on it is around 3 percent. Another option is to pay the extra money back to the lender. Any help is greatly appreciated. Thanks. —Lisa Dear Lisa: I am at a real disadvantage because I have so little information. But …