<prompt> Human: I recently pulled my credit score on creditkarma.com, and it came up at 678. I am in my mid-twenties, and I have 24500 in debt: 8500 on a credit card Ive been a young idiot, I know, and 16000 in student loans and I have already gone through a consolidation. I have recently committed to paying 300 just less than double the minimum payment towards my credit card every month and I no longer use it at all, and I pay 200 towards my student loans every month which currently sits at a 0 balance, with no payment due until 2019 because I am so far paid ahead. I am very committed to paying down all my debt over the next several years, and I am in a good position with no account for additional income: raises, bonuses, etc. to do so.Based on creditkarma, my credit utilization is at D the limit is 9000, and until recently I relied heavily upon the card as a back-up, which I now realize will kill me in the long term if I cant pay off the balance in full each month, and I am determined to get rid of it, my payment history is A I have never missed a payment on any debt, my age of credit history is F only 1 year and 9 months, although I have had my credit card since 2009?, total accounts is B 19 total, 15 closed, 4 open - 1 credit card, 3 student loans, credit inquiries B 1 hard inquiry, and derogatory remarks A none. My overall grade is a C.So, back to my question. How bad do I look on paper? I am applying for apartments with my boyfriend and I would hate to be the reason we are rejected. Also, am I going about repayment in the right way? At the end of the year, my intent is to spend my anticipated bonus paying down my smallest student loan in full, and putting the rest towards my credit card debt as it has the higher interest rate. Any additional income, I shoot towards my debt, and while I have a very small savings account, I know that saving is not beneficial while I still have these debts to pay off, with interest accumulating. Any advice? Im trying to be less of a financial burden to myself, and my SO. Thanks.Assistant: Your credit card debt likely carries a much higher interest rate than your student loans - you should stop paying your student loans and put everything towards your credit card debt, especially if no payments are due until 2019. In almost every case you should pay down debts starting with that which carries the highest interest rate.Any additional income, I shoot towards my debt, and while I have a very small savings account, I know that saving is not beneficial while I still have these debts to pay off, with interest accumulating.Not true. Having an emergency fund of 4-8 months of expenses can cover you if you suddenly lost your source of income.Human: Not true. Having an emergency fund of 4-8 months of expenses can cover you if you suddenly lost your source of income.Although, if hes putting all of his money towards his credit card, the available credit limit on his credit card could also be his emergency fund if something bad happens the worst that can happen is that he ends up right where he started, with lots of CC debt.Assistant: Ive actually thought about this, but I feel like its a slippery slope? In that scenario, I think the interest is really troublesome. I feel like Im throwing away my money, as opposed to utilizing it in a more productive way. Which is how I feel now paying it off as it stands.  <response>: What is the interest rate on your 9,000 credit limit card? This is a very important figure that I didnt see yet. I feel like Im throwing away my money, as opposed to utilizing it in a more productive way. Which is how I feel now paying it off as it stands.You threw away your money when you first bought something on your card and didnt get it back. Repaying the card now is the most productive use of your money. I can just about guarantee you that youre getting a better return on your money by paying back that card than if you were investing it in the stock market and earning historical average annual returns of 8. I bet that the interest on that card is 8, so there is nothing better you can be doing with that money. A guaranteed return of 8 is amazing. 