<prompt> Human: She has credit cards out the ass plus rent, car payment, insurance, utilities, etc. She has 400 left over for food and gas for the rest of the month. No savingsemergency fund. The 3000 was initially paid for with a care credit card. Im wondering when the money is returned in check form should she use 1000 to put into an emergency fund and then put 2000 back into the care credit card, leaving 1000 left to pay on said credit card. Edit: to clarify, the botched dentist work was a set of poorly fitting dentures. She is returning the dentures and getting a refund in the form of a check. So yes, she will have to have new dentures made, hopefully from a different dentist.  <response>: In my opinion, pay off the debt. Why have such a minimal emergency fund when you have an outstanding balance that probably carries a heavy interest rate? No idea what the interest rate is. 