<prompt> Human: Hi, so Im a full time student I also work 20-25 hours a week and make 11hr and I live at home with my parents. I stupidly bought a car last summer because I thought I was in a good place, so Im paying around 400 a month after insurance and everything on that. This past winter I had to have an appendectomy and I found out then that I didnt have an insurance because my parents had lapsed. So I now have about 40k in medical debt along with around 14k in student loans and about 1k in CC debt that Im not really sure how to handle. It feels overwhelming and Ive done a good job up to now building my credit and I dont want this going on to ruin my credit.  <response>: Noo I think this is a huge mistake, to pay off medical debt or any debt with CC. Only in emergency situation. 