Having $10k saved is a commendable milestone but overall it is not typically considered to be a lot of money. For a majority of Americans today, this amount may only cover 3-6 months of living expenses pending their lifestyle and where they live.
If you don’t have an emergency fund already, then move this $10,000 into a savings account. Look for an account that offers interest and no random “maintenance fees” so you keep more of your money and even make some while it sits until needed.
It can actually elevate your savings rate and reduce unnecessary stress you might be feeling about your debt or the interest you owe on any debt. You might not want to use all $10k toward debt, but figure out what might make sense for you.
You can start with a retirement account you might have with your employer or open a Roth IRA with a financial company. I always recommend Vanguard Index Funds, but there are a few other great options out there as well.