<prompt> Human: As the title says, Im close to a fork in the road. I will provide all the numbers in the equation.I have 3 credit cards, currently:1 2800 balance 18 APR2 2500 balance 10.3 APR3 1600 balance 16 APRI currently have about 350 per month to pay towards these. Ive been paying the lower balance card at about 250 per month, and the others Ive been paying the minimum, so that I can focus on one card at a time, then eventually move on to the high balance card, since its APR is much higher than 2.Along with my current 6900 in credit card debt, I owe approximately 2300 on a car I financed in 2010 2.99 rate. I also have upcoming surgery, which will be 5000 out of my pocket 10,000 surgery, insurance is covering half. I will be taking a medical loan through my credit union, who will provide me with a 4-5 rate.That said, after my tax return, and some generous help from family members giving me what they could for the surgery, since they know things are a tad rough for me, I currently have 2000 sitting in my bank account. As far as I can see, I have a ton of options, but I dont know where to begin, to find which option is more beneficial for me. All the options I can think of are:1. Put the money towards my credit card debt, and reduce them to 2, with only 2400 left on the high balance card, and 2500 on the lower-APR account.2. Finish paying off my car, and get that burden off my shoulders. Ive been paying 240 per month for it, so I would have that much money freed up, to put towards my upcoming medical loan.3. Continue paying credit cards and auto loan as normal, and use the money as a large down payment on my medical loan. At first glance, it seems like option 1 is the best, because the interest is significantly greater, but doing that will not make more funds available to put towards my medical loan unless I simply pay less on my credit cards, of course. Option 2 has its benefits too, though, since it will close my auto loan debt, and put the title in my hand, as well as enable me to put that 240 per month towards my medical loan.Any advice, from someone who isnt overwhelmed by this type of thinking such as myself, would be immensely appreciated. And my apologies if this post is longer-winded than is considered the norm around here!  <response>: So if I understand you correctly, you have: 6900 in CC at various interest rates 2300 car loan at 2.99 5000 medical bill imminent at 5 What to do with 2K?Not a dire situation, but not a great one. If I were you, I would Pay off the 16 credit card Save 400 for emergencies Take the 600 250350 and start paying down the 18 card. You should pay it off in 4-6 months at that rate. Then pay off the card at 10 Then focus on the medical loan Then focus on the carThis is not the most optimal way of doing things since we are not completely prioritizing by interest rate i.e. I am saying pay the 16 CC off first, but I get the sense you are feeling stressedflustered and having one less bill to worry about might do you some good. However, we cant do it sub-optimally all the time and you do need to prioritize the highest rates afterwards. Moreover, you will have 400 set aside in case something happens like car repairs and it help put you at ease.I hope that helps, sorry that you are having a tough go at it, and I hope all goes well for you. 