<prompt> Human: Im getting 1100 back. Im keeping 100 to spend on fun money, probably a massage. Here are some thoughts:1000 toward student loans. One loan defaulted and if I can save 9000 I can pay it off instead of 20000 or whatever. Id have to pay taxes on the difference. I dont think I can save that much this year, although if I stop paying a payment each month it would help. I also have public loans I pay monthly on in good standing because they actually care when youre not working and work with you.1000 in emergency savings fund. I do have a little bit for this already, and Im stashing 200month.1000 in some type of investment, such a CD or crypto. Looking for something I can turn around in a year. I already have a meager 401k. I know a lot of people who have seen so much growth and it looks fun, but its risky to do cryoto. I feel like a 1 year CD could be good if I plan to save anyway.Put it toward a new bed. Im moving and dont own a bed current place is furnished and usually get one off Craigslist or something but curious to get a new Casper or something.Thanks for the help!Edit: friend is giving me extra mattress, woo!  <response>: If youre in default on a student loan youre in no position to invest. I would save a 1,000 emergency fund and put the rest of your money towards the debt. 