<prompt> Human: Hello! So I received a check for 1,500. I have a good amount of credit card debt, thanks to being young a dumb, not including my student loans. All of my credit cards are thankfully 0 interest for the next 18 months and Ive been really working on getting them paid off. One of them is very close and the last 3 can be easily paid off before the interest free period is up. Ive been doing Dave Ramseys snowball method. I have a loan through a bank from when I was student teaching and it charges interest. It is 145 a month and I think the interest is at 11 a month. However, the 1,500 is not enough to pay off the loan since its at 4,357. Ive got a small emergency fund and plan on putting a little bit of the check into savings. So my question is, should I keep with the snowball method or do something else? What is the best possible option for me?  <response>: Pay off debt first, always. If you dont, it just gets worse.Once youre debt free then you can start talking about saving. In my opinion, your first priority should be to become debt free. 