Hi all, I’m totally new to this but am trying to get our money in our control. Unfortunately, my husband and I racked up a lot of CC debt while I was in nursing school and our first son was born in Nov 2018. I am just getting into my RN job and we just found out baby #2 is coming in October. We have $7500 tax refund to utilize and I want to make sure it gets put where it is best used. We currently have $1, 064 in an EF. Here are our smaller debts (excluding mortgage and cars) $6, 284. 40 @ 24. 99% APR $4, 662. 70 @ 24. 99% APR $4, 100 @24. 99% APR $1, 200 ATV loan @3% APR $1, 600 @ 0% APR $600 @ 0% APR What is the best way for me to go about paying off our debt with our refund? I appreciate all advice!