<human>: I have about $4,000 saved up as a nest egg, as a potential down payment for a cheap starter home/furniture/etc. I'm working to build my credit so I can get some semblance of a loan. My credit is poor because I am young and uninsured, and I had to have an emergency surgery last year and defaulted on a couple payments. I have all the small defaulted bills payed off, but have one still sitting there that is about $1500. I *could* use my savings to pay that off and hopefully get my credit rebuilt more quickly, but then that's a huge chunk of my savings gone. Would getting rid of that last payment be worth it? I'm scared to take so much out of my savings, but if it would positively affect my credit score quickly, it might be?

Can you summarize the given text in a few sentences?
<bot>: keep my savings with one outstanding defaulted medical bill in case I need a bigger down payment, or spend my savings on clearing all debt?