<prompt> Human: Im about to get 10,000 from 3 years of revised taxes. My girlfriends child just got his US citizenship papers and hes been living in the US with her for 4 years. My girlfriend and I have a joint account and have agreed all debt is shared, there is no bio father in the picture so the full amount is ours.Id like some advice on what to pay first. Im leaning towards the car, but I would appreciate some input... we have A LOT of debt. We live paycheck to paycheck, were not good at saving money, so eliminating monthly payments would be a perfect way to put aside money. Now for the numbers:Income per month: 4670 after taxeshealth care---Savings: 0.00---Average expenses per month:Internet Cable: 70Car payment: 270All Credit cards min payment: 300Rent: 900Car Insurance: 169Gas: 120Food:700Electric: 120Water: 30Personal Loan: 145Student Loan: 150Dental Loan: 100cigarettes: 300 I know I know...---Total Expenses: 3374. But of course theres always more, something always comes up that needs to be paid.---Debt:Amex: 804 15.49Credit one: 563 24.15Credit One: 857 20.15Barclays: 1536 25.24Citi Bank: 5600 11.24Khols Card: 300 24.15Target Card: 446 23.15Personal Loan: 2549 16.74Car Loan: 8491 7.74 2010 Kia Forte 65k miles KBB value 7000Student Loans: 133,000 4.9 In default, paying debt collector 150mo... for life...Dental Loan: 1200 0 for 1 year---Things that need to be done soon:Car AC repairoil change: Estimate 700Register cars: 350ea total of 700---Credit Scores:Me: 590GF: 610So... now that you have the numbers. Advice? What should I pay? What should I save? Any advice on what I can do in this situation? With our credit scores is there any change of consolidating this debt with a 10K down payment? Or is it better to just pay it down as is? Whats the best way to use this 10,000 windfall?Edit: Formatting and Flair.  <response>: Your credit card debt is getting out of hand. You should pay that off and make sure you dont get into the same problem again. 