<prompt> Human: Ok so first off Im 24 making around 30k a year as a firstsecond year Welder in CT. So on a day to day basis I am not drowning in debt to where I cannot enjoy things. I am more or less just looking on advice on how to use this in the best way.The bills.Credit cards 1400Student loan 1800Medical bills 300The tax refund:Fed 1060State 1800Now at this point in my life I just recently broke up with a girlfriend of 6 years, and moved back in with my parents. So really the majority of my bills have opened up. Do I just take my tax refund and pay off as much of the debt as I can, or do I set some aside and pay it off month by month to continue to build positive credit marks? Should I put it all aside and pay off month by month and use it as a rainy day fund , I am unsure how to go about this and what would be best any advice is appreciated!Edit: spelling.  <response>: Do I just take my income tax refund and pay off as much of the debt as I can, or do I set some aside and pay it off month by month to continue to build positive credit marks?You dont get positive credit marks for paying interest on your debt. There is no good reason to spread out the repayment process; it just costs you money.Pay it off as soon as you can, if the interest rates are higher than the growth rate you could experience investing it anywhere else. 