As previously mentioned, I have $153k in unsecured debt. $90k is student loans that are in forbearance until February. I recently joined CCCS to take care of the credit card debt and the rest of the money is owed to the Bank of Grandfather. Between the discounted payments from CCCS and the loans being in forbearance, I have extra money of at least $500 per month right now. I have about $1650 in an ING account. Every book on earth says to have three months of income in savings for your emergency fund. I have nowhere close to that.

So, the question is: Since I have this extra $500 for a few more months, do I put it toward my CCCS plan or do I put it into savings?