Hi,
I used “Credit Solution” to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It’s legitimate.I came across this company on NBC News Special Edition.Check it out here:

If you have an emergency fund, I would pay off debt.

If you have no savings, put the check into savings to cover emergencies.

Check out:

your choices aren’t great (actually the money coming isn’t enough to really matter)
But I would say, PAY down the debt, so you avoid interest on that portion of debt,,….Also concentrate other money to pay debt and ELIMINATE interest charges

Keep saving for your trip, but when your debt is paid off, it should be easier top save to fix the car.

Why is 75% of your salary going into savings if you have debt that you are payng interest on?

Pay off that debt, then save.

Put the refund toward your debt or your car repair.