<prompt> Human: I have 4000 and am trying to figure out if I should apply it to my car loan or credit card debt. If I apply it to my loan that would leave a 2800 balance that I could pay off in 3-4 months. That would give me 320 extra to put towards credit card payments. I owe about 9000 in credit card debt. I can usually make just the minimum payment on most of my cards. With the 4000 I could pay off 4 cards, but that would only give me 150 extra to apply to the others.  <response>: Most likely the interest on your credit cards is higher, so youll save more money applying it to the cards. 