<prompt> Human: Like the title says, car accident, nobody hurt thank goodness. Original vehicle was paid off. Wife and I have about 11k in higher interest 22 credit cards. We were aggressively paying them down in the last six months and made good progress. We have a small emergency fund 4000 which is adequate at this stage. We will receive around 10k for the insurance claim. My question seems obvious but wanted to reach out to PF to get your opinion. We think we should pay off the CCs with the claim and finance a used vehicle through our bank. We are pre-approved at 2.7 for a 15-20k vehicle. So...eliminate high interest debt and finance the car even though the payments might be 5 years out? To put it in perspective, we had been paying about 700 a month toward the CCs. Car payment would be 350. Any downside to this?Thanks for your input.  <response>: I can get on board with it. The money saved in interest will be huge. Consider this a blessing in disguise. 