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@kaitlyn224 Snowball, or avalanche, they're both just guides to get you out of debt, neither one is wrong and both will get you there. Which one feels right? In this case getting that whole one done and gone will be a relief, and allow you to focus your energies. By having one target, the...

@kaitlyn224 Pay off the Perkins loan and be done with it, then you only have the one large loan to deal with. Will be easier to deal with mentally, and the payment you would have made to it can grouped in to speed up the payoff of the loan leftover.