<prompt> Human: Over the last month I used about 120 that I dont have. The total debt is 425.Im currently a student and unemployed. Ive already applied to a few places to try and get myself some income.So I guess the main question is, how much should I pay? and how often? My minimum required payment is 10. What should I expect in terms of fees?  <response>: Pay at least the minimum to not get charged late fees and to not damage your credit score.Pay as much as you can to minimize interest charges. 