<prompt> Human: Im going to be receiving a bonus from work, and Im unsure how to spend it. Its around 12K dollars; however, I have 20K in debt that Ive been chipping away at. 8K on two different cards, and 4K on a personal loan. I currently have a mortgage, and a car loan. I think if I could most efficiently use this bonus to reduce debt, and improve my credit score, I could benefit greatly from a re-finance on the car. I didnt get a fantastic APR, but is wasnt egregious.Ive considered also hiring a financial counselor, but im unsure if it would be even necessary in this case. Can anyone shed some experience or knowledge my way? Ive made financial mistakes in the past, and would love to discontinue the trend!  <response>: I think youve answered your own question. Kill the debt cards and personal loan, and then in a few months see if you can refinance the car; however, the CC debt is likely the most expensive debt you have.This is great opportunity to get out of a debt hole and set yourself up for better financial times in the future.Good luck! 