<prompt> Human: Due to a tax credit I got this year I will be getting enough money back on my tax return to pay my debt off. I owe NCO financial around 1000 and Credit Protection Agency 400. What is some advice you could give me, I have no idea what I am doing, I would like to do it cheaply if possible to start some savings.  <response>: So... pay off the debt. Right?Im not sure what advice youre looking for. Where is the confusion? 