Is it stupid to pay off 1800 in debt if I only have 6 grand in the bank?

Is it stupid to pay off 1800 in debt if I only have 6 grand in the bank? It’s my true line of credit though that is negative 1800. I want to pay it off but only have 6k in my bank. I make a little over 4k a month after taxes. I owe 7k on my college loan and 4k on credit cards plus this 1800 on my true line of credit. I want to pay off my credit cards immediately after. Or should I keep my usage at 30%? I’ve never edu...

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