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@49erjoe Again, I’ve already handled the credit card and it is not relevant to this question whatsoever lol please just respond to the question asked

@49erjoe I’ve already gotten that down which is why it wasn’t presented as a part of this. I’m focused on the student loan debt payment options at this time.

@michae1 I agree with efficiency and what’s what I guess is making me struggle. It may very well be my lack of knowledge of how things work but does it actually make sense to pay down interest on a loan if then I’d spend a year just trying to hold off the interest v. Just completely wiping out...

@love4him1978 This was my natural inclination and I guess it’s a snowball approach rather than an avalanche but you’re right, mentally I’d feel much more accomplished just knocking out the smaller one first

Since COVID hit I (27F) have moved back in with my parents because I’m currently a student. My parents aren’t rich but they don’t ask me to contribute financially because they know that I have debts (student loans and credit card) to focus on. Because of this I’ve been able to start knocking out...