<prompt> Human: Im sorry if this question sounds stupid, but Im stoned for the first time in a long time and Im thinking about money. Let me give a little context..My FICO score is 635. My monthly expenses are around 1,500. I have 8,600 in the bank and my total student loan and credit card debt add up to 7,900. Should I just pay it all and live life like a hermit for the next few months?Nothing urgent but Itd be nice to get stoned once a year and think about something other than finances.  <response>: I would not pay it all off. Certainly not while stoned. I woiuld keep 2000 in the bank for now as a small emergency fund, and pay off the debts with the highest interest rate. Pay off the remaining 1300 of debt over the course of the next couple of months or so. Say at a rate of 400month. 