<prompt> Human: I should first point out that I do live in Canada, but I dont think that should affect anyones advice. Anyways here goes,Long story short, I got 4,100 in backpay for child survivor benefits.I currently live with my dad and pay him 500month in rent. I know it seems high but we like the house we have so I dont mind helping pay the mortgage. I dont know my actual credit score but I know its horrible because I had some money sitting in collections last year, I was super late on credit card payments, and I went 6 months with no student loan payments. As of today, I paid off the collections about 8 months ago and I called the student loans office during the same time and paid 6 months worth of interest so my account was in good standing and now that Im back in school, that loan is frozen for now so I havent been worrying about it. My current debt:2,150 credit card at 24.95.Other than my student loan accruing, thats the only debt I have. I know that interest rate is insane but Im in school but I made double the minimum most months and just the minimum on months where Im broker. I also have ZERO savings. What I was thinking about doing is using the 3,993 to completely pay off my credit card debt and tuck the remaining 1,800ish away for if I ever want to move out then Ill have first and last ready, but then the thought of paying down half my credit card and using the remaining 3,000 to buy a cheap little car to get me around. I have a free transit pass from the college that I use every day now, but the thought of having a car again is a nice thought. Whats really the best way I can use this money to help out my future self and get a good credit score back?  <response>: I misread the title as saying your small windfall was 23M i.e. 23,000,000.But yeah, pay the credit card off. 