<prompt> Human: Okay, heres the details. My debt consists of: 8614.23 in student loans, one private, and 3 federal Stafford. Interest rates vary from 3.15 to 8. 10,887.53 current balance on my single credit card at a maxed 29.9 APR.Thanks to the generosity of a deceased great-relative, I have funds currently invested in a mutual fund through Edward Jones. Right now that totals to around 31,000.Part of me really wants to get the credit card off my back and pay the entire thing off. Part of me wants to pay it all off, although that would leave me with roughly 11,000 in the mutual funds if I did that. My obvious concern is about depleting the mutual fund, since I do want to get moving on a Roth IRA or something of the sort since I dont have a viable 401k option at this time.Basically, I have ideas about what to do, but Im concerned about mortgaging my future, especially since a family of my own is hopefully involved further down the road.Assistant: 10,887.53 current balance on my single credit card at a maxed 29.9 APR.This is a big deal, and can put your future in a HUGE hole if you dont do something meaningful about it now. Unless you can refi that debt into a reasonable APR loan less than 10, thank god that you have the money available and pay it down, in its entirety, ASAP.Human: So youre saying I should just pay down the entire lets say 11,000 now to erase that entirely?  <response>: Yes 