There is zero shame is working the system. My favorite thing to do was work all my days off and time out, then sit at home while on reserve. 150% pay above guarantee and still had 15+ days off at home. Averaged 150 credit a month, that's decent money.
I would much rather be understaffed than overstaffed, you can get away with murder. Put in requests to fly an open trip tomorrow but drop your next trip with pay, etc. Scheduling only cares about getting things staffed today, not next week, they will deal with that later.
Invest the extra money, pay down debt, etc. Don't go out and buy new toys. Not yet. That is your get out of jail free money. There will be plenty of time to bid minimum credit in your careers. Think long term, not short term. Yeah, it's sweet to play Xbox all day right now, but what about in 10 years? Wouldn't it be nice to have a paid off house, cars, boat, and half a mil in the bank as FU money? That's when you can chill and work for min guarantee.