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@1lifeisworthit Thanks for the reply. Okay, so pay the smaller credit card off first and apply the rest to the Navy Fed with the interest. I pay all the cards every month but just wanted to know what to do with the extra money.
That's what I'd do, yes.
Again, assuming an emergency fund, and assuming I could get an official payment plan so that my payments would be reported to the credit bureaus.
If I don't have an emergency fund, then that plan changes.