<prompt> Human: Hello guys! Im in my early 20s in college trying to be a finance major. I want to help my parents fix their debt they never learned how bad credit cards can bei spent my 8k to pay my moms NEX cc which was stupid.called the bank if i can get a refund of 7200 so i can pay the higher interested first Because at that time, my parents did not disclose ALL of their credits. I had to be my mom to give me all of them because she was so ashamed.My dad gets 4000 per month2000 goes to housing and 250-269 for utilitiesIts setup by cc max balance min balance due date aprCAPT 1 M 1,696.81 52.00 X41623.15NEX 176.63 0 atm X716 10.49WALMART P1,358.7040.00 X71623.15SEARS 2 M927.19 27.00 X131625.49NAVIENT P 991.03 94.79 X1316CAPT 1 P 444.00 25.00 X151620.24MACYS M 4,342.73205.28 X161624.75MACYS P 2,196.9566.96 X161624.75OLD NAVY P1,769.30 55.00 X171625.24SEARS M 2,215.8568.00 X221625.49NAVY FEDERAL8,007.96 560.42 X241616.75 might pay x2 since my mom did not pay last monthsOLD NAVY M1,392.55 46.00 X261625.24tmobile 560 can be paid by cc due 711I will put more information if anything. Im pretty sure there are more cc. I have around 2000 that will remain in the checking account, trying to find out where to pay. edit: im so sorry this is a little messy  <response>: Theres a good chance your parents are going to be swallowed by their debt. If they go into bankruptcy, all the money you gave them will be wasted.Dont spend any more money on them. That 8K was a terribly stupid decision. You dont have much money yourself. 2K is not enough for an emergency fund. If you give it to them, its only going to worsen their spending habits.The best thing you can do is to give them financial advice to get themselves out of debt. 