<prompt> Human: My girlfriend ran into a bit of trouble last year and had to use her credit card for emergency purposes. She ended up racking up a few grand worth of debt and shes been paying 25 interest on it monthly. I asked her how much of her pay was going towards paying that debt off and its a little bit more than the minimum payment. I pointed out how shes just going to be gaining an additional 150 or more a month in debt, which will compound quickly if she doesnt pay it off. She said that from what she reads on this subreddit that she should build up an emergency fund of 6 months worth of expenses. I personally think this is a terrible idea. Even though the debt is relatively small it will snowball quickly 6 months from now. She also has student loans that she needs to pay off. I could pay off her credit card debt now and have her pay me back with no interest. This way her debt is not accumulating and she can keep making her normal payments but to me instead. I know that it is not a good idea generally to loan money to friendsloved ones but I want my girlfriend to pay off her student loan debt as soon as possible without having to worry about her CC debt. She says she would feel terrible if I pay off her debt for her and doesnt want me to do it. But I love her and want to help her out.Does anyone have any thoughts on my situation?  <response>: Pay it in full as a gift or dont do it at all. Loaning people close to you money is a good way to lose them in my experience. 