<prompt> Human: After looking at my tax situation for this year, it looks like Ill be getting about 3600 back.I also just got a job that pays roughly 2240month net. I have two credit cards, both at 19.8. One has a balance of 453.34 and a minimum payment of 25month. The other has a balance of 2026.10 and has a minimum payment of 60month. My car has a balance of 1020 and 0 interest, and thats a monthly minimum of 100month.My rent utilities Verizon, watersewage, energy comes out to about 1110month unless I can find a roommate and cut my rent in half. My phone bill with ATT currently, exploring Sprint as an option is 85month. I also have to pay my grandparents 125month starting in January on a loan they gave me 1375 remaining. My plan was to pay a total of 120month toward my credit cards as opposed to the minimum 85month and 120 toward my car instead of 100month. But with my tax situation, Im wondering if I should just pay the minimums on my debts until I get the tax refund and can pay off one whole credit card the one with the 450 balance, the car, and my grandparents loan? Or should I pay off as much as I can now and then use less of my tax refund and still pay off those debts?  <response>: Nope, with the almost 20 interest rate, you pay down those credit cards as fast as you can. Starting now. Pay only the required minimum on the car, as you dont pay interest on that loan. 