<prompt> Human: Hello. As the title says, I currently owe 13,000 dollars in credit card debts. I currently make 3700 dollars after tax and spend 1500 dollars paying bills and credit cards. I recently applied for Prosper loand for the amount of 10,000 and got approved with 19.99 APR. What would be the best option for me to pay my debts off?Chase: 6,500 with 22Citi: 5,500 with 23Bank of America: 1,500 with 19 Thanks! Assistant: I have saved roughly 7,000 dollars so far, but Im planning to use around 5,000 for the ring for my girlfriend. I usually save 1,000-1,500 a month in my account. Are there any benefits on using Prosper for 3-4 lower rate? Human: That is dumb. Im sorry, but theres no other way to say it. When youre in substantial credit card debt Useless Shiny Rock does not need to be a line item in your budget. Rethink your priorities. If your GF knows about your finances and is still pushing for an expensive ring, then shes not worth keeping.Please, for the love of God, reconsider.Assistant: I havent told her about my finances yet and were considering lowering the price of the ring to 3,00 or less now. Thanks for an honest advice!  <response>: Your budget needs to be 0 until you get clear of this debt. And you and your GF need to talk about finances before getting engaged. 