<prompt> Human: Over the last few years I accumulated quite a bit of credit card debt. In January 2017 I hit my peak at about 10K in credit debt. I made a conscious decision then to be more responsible, avoid using my card for unnecessary purchases and put more money into monthly payments. It was a rocky year, I sometimes had to swipe for things I couldnt afford like car repairs or health, but overall I stuck with my goal and paid down about 5K of the original 10K. Im not thrilled with the results though as I still have quite a while longer to go. I am also worried as it looks like I will have more monthly expenses this year insurance and rent increases as well as student loan payments kicking in. If I am being reasonable with myself, I estimate based on my expected budget that I will only be able to pay about 300 or so a month unless I get a decent raise working on that. With that payment estimate and my credit card interest rate, I am looking at 20 months left and paying nearly 1K in interest assuming I dont end up using my card for emergencies again. Now I recently came into a small sum of money, about 10K. This is sitting in a savings account with the intent to save it for a down payment on a home. This is effectively my only savings. Aside from this 10K, I save monthly for my annualbi-annual bills. Things like car insurance, vehicle registration, etc. I put money aside each month so when those bills come up I am ready. So I consider that savings to be untouchable as it would put me in a bad position if I spent it now. And then I have a 401K that I contribute to with employer matching, but I dont consider that spendable saving either. So my question really is, does it make sense to pay down the 5K credit debt now by pulling from my 10K savings? I fear that cutting into this chunk will really hurt my ability to gather a down payment for a home any time soon. I feel that buying a home could help with my long term finances since rent in my area is incredibly high. From one view, paying down the debt with my savings is like getting a 0 loan. I can keep that estimated extra 1K in interest I would be paying to the credit card company. I also feel a weird sense of pride in the progress I made in my debt so far. Paying the rest off with my savings almost feels like cheating, and I worry that it wont help me to learn the value of saving and paying down debt.Has anyone else been in this position and like to share their experience with the choice they made? What choice did you make? Was it the right one? Etc.Thanks. Edit:Based on everyones advice and other information I have been reading here I decided to go ahead and pay off my credit card. It feels great! Now I just need to make sure I implement a solid budge to avoid spending the money I have freed up by not needing to make monthly credit payments. Thanks everyone!  <response>: Ok, so your interest on your card is 13. Paying off your card debt is basically like getting 13 interest on your savings. Look at it this way: Pay off debt at 300month for 20months: at the end, you have 10k your current savings, OR:Pay off debt with savings, then put 300 into savings for 20 months, you have 11k.Edit: paying off early is not cheating. 