The financial-stratego side of my personality says that it would be a good character building exercise to pay this of over time as I can afford to out of current income. My advice is never to pay for character building. You will get plenty of it for free over the course of your life. If you can pay off the debt completely, then do it. Then continue to put the money you would have sent to the credit card company into your efund until it is built back up and make sure you don't get into debt again.
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