<prompt> Human: My families vacation home has just sold and i recieved an 18,000 settlement. I currently have about that amount of money in debt and i am unsure if i should pay off all my debt, or my son suggested that i open a CD at his bank at 2 interest for 20 months, which would leave me with 360 in interest a month which i could withdraw and put towards my monthly expenses. I am not sure which the best approach to take would be, feel free to leave any further questions in the comments. If it makes any difference I am low income and currently only make about 30,000-35,000 a year as a single mother including child support. Assistant: Whats the interest rate on your debtHuman: Im not exactly positive right this second but its much higher than 2. Probably around 17  <response>: Pay off debt. It is an garauteed 17 return. 