Puzzles, Oh god 😅
Nostronaut,
I’ll leave it at this. You are paying back created money to a group that can take unlimited “losses” when you pay a credit card.
There is math for this decision. Everyone should decide for themselves what to do for their own peace. It is responsible to do what you are able to do to help yourself.
If you want help with the Math of this situation, let me know. I have experience.