Build a small buffer
If you have no emergency cash, park a slice of the refund before aggressive payoff so life doesn’t force you back into debt.
What to do with a tax refund
A refund is a one-time chance to cut interest and stress. Split it with intention — savings first if you need a buffer, then targeted debt.
Clear high-cost balances
Credit cards and high APR debts usually beat “treat yourself” spending. Full payoffs free minimums every month after.
Check the plan
Use DebtSelector’s refund / lump-sum mode to see which debts to wipe and what’s left for savings.
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