$800 in debt, stuck on what to do
So I’m pretty new to this debt stuff (im 20F)
All of my debt is on my cc and it totals out to $800. At first i was able to pay double my minimum no problem but i recently lost my job and I’m focusing most of my saved money on my phone bill, public transport and other basic necessities.
Now here is where i am a little stuck. I’m going back to school in August usually i get around $2400 back in fafsa refunds (in a community college). I want to become a nail tech and want to work on getting my license in order to have a job while in school, but tuition is around $1400 which i could pay with my refund. The only issue is ill have $1000 left but im left to choose between my cc’s or saving that 1000 for emergencies like my phone bill or other things. If i pay my cc off ill only have 200 left, my phone bill is usually 100 (i know its so bad💔) and the nail school i will be attending is around 4 months long, i wouldnt want to last 2 months without a phone but i also kind of feel like its a little childish to think that way.
Honestly what is the best option here? I already have a salon i can start working at once i get my license but until then i won’t have another source of income besides the refund.