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Thanks for the input!
I didn't include all of the financial details for fear of being too long-winded right away :)

For both of the estimates of $2000, I rounded down. I don't want to count on more than what I will end up with. I am selling the stock at a gain, but I am planning on selling enough shares to cover $2000 + set aside some extra for taxes. The stock has been pretty worthless for a few years but has increased significantly in the last month which is why I want to sell it now - I don't anticipate it staying where it is for long.

I think what I will do is take both suggestions to pay off the CC and put $1200 in the efund.

The loan is a career training loan, not a typical student loan. I don't know if it is eligible for consolidation. I will do some more research.

I don't have a Roth IRA. I will look into that instead of the 401(k). Thanks for the tip. I will admit that I'm not too well-versed in retirement funding. Something to do with my spare time :)

I have thought about getting a second job, but for various reasons it doesn't make sense for me right now. I am paying over the minimum on the cc, so I'll start socking what was going into the CC onto the student loan and back in the efund. My job is secure at least for a few months, so I should be able to build the efund back up to a semi-respectable level while still paying more than the minumum on the loan.

Thanks again for the suggestions. I'm sure I'll have more questions soon...

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