<prompt> Human: Im expecting a 1700 dollar tax returnrefund. I have some serious credit card debt and student loan debt. Im thinking about using about 700 dollars to pay down my Credit Card and use the rest as an Emergency Fund. Im thinking about paying 350 dollars on each card. I have 2.Is this a good thing to do? I am about 2400 dollars in Credit Card Debt. 11k in Student Loans. Im going on a IBR plan for this.  <response>: EF is a good idea.For the cards, pick one and pay it. Personally with just two, Id choose the one with the highest interest rate so youd be paying less interest overall. Pay the minimum on the other, and shovel everything you can into the higher interest rate card. 