<prompt> Human: Hi PF,I have 1348 in outstanding debt that has to be paid to the university soon or I will lose my classes for the fall quarter. My mom is willing to pay 500 of this amount which brings it down to around 848. I also have 5,300 in my e fund.I was expecting my mom to come through with the money for a long time this semester and she finally called me saying she could do it today. The thing is that I have to pay this off right away. Putting the fact that I should have been paying this off all along I did about two hundred of the old balance but the deadline came fast is this a good idea:I have a chase credit card that I have been making regular payments to. Right now it is at the height of the amount on it since I have been moving and having to spend money on moving supplies and the sort, I have completely let the card get the blind side of me and it is now at 3000, but I have a 4500 limit. I am 20 years old and work for a major organization doing work that earns me 41 an hour. This organization is expecting me to go to school and is planning on letting me work full time from home three days a week to allow this transition more easily. My paycheck after taxes is a little over 2200 every two weeks.The scary thing is that I will have 4500 in debt on my chase card. I would pay for the balance in my checking but I have paid bills with the money in my checking account and wont be paid until a couple of weeks. And when I do, I will still need to pay off more bills, according to my budget I made yesterday, I can afford to pay about 800 every two weeks towards my chase card.Basically I feel this is the only way I can afford this. I could dip into my emergency fund but I have been very proud of my hesitation to use it and have been managing my finances without needing it once since January when I made itWhat would you do?Here are my current bills:250 to furniture store one time, due aug 11775 rent monthly20 slingbox tv monthly12 Netflix monthly280 car lease payment monthly500 insurance deductible one time, had an accident and it is due when the car is fixed50 phone payment monthly220 car insurance monthly, will probably increase due to accident25 minimum payment to chase monthlyI believe this is all but I will add more as I remember.  <response>: You bring home over 4400 per month which likely puts you in the top 1 of earners for people your age, why are you expecting your mom to cover your tuition expenses?Also, why are you only making the minimum monthly payment on your credit card? Use your emergency fund rather than putting it on your credit card. Your fund will take a small hit but youll be able to replenish it fairly quickly on your salary. 