<prompt> Human: I let her borrow 3k from 2 separate CCs because of a somewhat emergency she needed a car ASAP. One of the CCs already had a previous balance on it that I was already making auto payments on. She now owes me 1517.23. She borrowed this money in October of 2016 and stated that I will be paid in full when taxes came around. We are now in August lol. She missed a payment and I was low on funds to pay it and it damaged my credit. Also the credit utilization didnt help much either. I just received a check from a lawsuit back in 2014 and received 1600. Should I use that money to pay off my CCs and have my mom make the payments directly to me? I offered to not pay rent for 4 months and use that as a payback but she declined. I just dont want depending on her to make my payments in time affected my credit. Age: 20. If that matters.  <response>: Should I use that money to pay off my CCs and have my mom make the payments directly to me?Yes and never do this again. I just dont want depending on her to make my payments in time affected my credit.Especially if you cant afford the payments yourself. One of the CCs already had a previous balance on it that I was already making auto payments on.Also stop using credit cards to take out high interest loans. I offered to not pay rent for 4 months and use that as a payback but she declined.Sounds to me like she may not have any intention of actually paying back the full amount as that or something similar 100 off each month or something would be pretty reasonable.Id sit down with her and work out a proper written payment arrangement and work in the rent as a way to offset missed payments. 