I kind of go weird with my expenses on an hourly basis like one hour I am all in gonna be so great pay off my under $1500 debt and pay for some school and yeah three hours later after I get a call from a debt collector my mind shifts like holy fuck wtf then I call them back its for someone else not even remotely me but I got to tell off the fucker for calling for over a year lol but yeah I figure if you are under about $1800 in debt like you have no worries especially if you been able to obtain a credit card like u dont really need to pay that off or enter an agreement for awhile make em sweat lol u are better off using the money to pay for things like gold and silver to build up a savings if they ever do call you threatening court you can just cash it in pay it off at once see here in canada once the debt is on your credit file thats it its on there no matter if you pay it back or not so what is the point really lol and school is like strange with me I dont see myself being full time employed so who knows will have to figure it out for another year its like if it was direstr8s I would have been given a few thousand by now but no I am meant to struggle every month so its hard to make any quantifiable decisions financially I am just like whatever like $2k and under ur ok lol $2k -10K they may hound you a bit $10K+ you on the mafia hitlist bro lmao