<prompt> Human: Hey guys, need some advice.When I started I was about 32K in the hole in CC and medical bills - got into an accident after I had lost my job. Im employed now and over the last 9 months have been aggressively paying off my cards - Thanks for all the advice this sub has provided. Im about 11k in the hole now.Im getting a pretty large amount of money back after taxes around 3k. Im not quite sure what to do with it. thoughts?What comes to mind is: 1 Put it all towards my CC2 save itor3 invest itEDITUPDATE I should have been more clear. I am being refunded 3000. I do not owe the Govt this much. This is my refund AFTER I have already paid what is due back to fed and states.  <response>: Put it against the credit card! That is a terrific investment because the you will save a lot on interest and your future payments will cause those cc balances to fall even faster. 