<prompt> Human: I have 7600 in credit card debt. I have been making the minimum payments and because my credit wasnt great when I got the cards most of the minimum payment goes to paying off the interest. My dad is willing to help me but thinks that by paying all of it off it off for me might not teach me to stop racking up debt. I agree with him a bit. This is the most debt I have ever had but I have had trouble in the past and have had him bail me out before. I think that if I were in his shoes I would want this to be a teaching moment. One of his stipulations is that I get help from someone other than him to monitor my spending and help me develop a budget. I am on board with this and will do so. What other way can this become a teaching moment?  <response>: Make a budget will him and stick to it for 3-6 months before he pays off your debt. 