Which do I focus on first? Collections or CC or build savings?

Debt

I am getting an additional part time job to help increase my leftover, but I am a full-time student so I don't know how long I can work 48+ hours/week.

Paycheck after expenses and paying minimum on above cards: $120-$350 (can be up to $500 if I'm lucky)

Credits/Debt:

Discover it: $4,761.67 @ 0% APR
Care Credit: $547.75 @ 32.99% APR
Collection: $5,052.78

I am going to pay off CareCredit asap, but do I focus on my CC or Collection first? Do I build a savings first?

I honestly don't know which of the two dropped my credit score from 733 to 702. Probably both. Btw this all happened because I had a medical bill in January that I struggled to pay back. The hospital's payment plan was carecredit but I hit the limit, used my savings, and used my entire discover card.

Posted Oct 1, 2025, 9:04 PM UTC

12
Loading comments…