<prompt> Human: Im getting back approx 1200 in tax refund shortly. Im currently working on a 1600 credit card bill and 35k in student loans. I already make regular payments to both more than minimums, so Im not hurting, but I would love to see my credit score go up current 642. Should I put the entire refund toward my CC, toward my loans, or split it? Thanks for the advice.  <response>: Put as much as you can afford toward the cards. They undoubtedly have a much higher interest rate than the student loans, and decreasing your credit utilization will improve your score a bit. 