<prompt> Human: I have a 6k loans at 35 I know, its killing me but it was needed due to an emergency, three credit cards totaling about 8k at about 23. Also a car note of about 11k at 15.5. My emergency fund has 1,500 in it. Monthly income is 4k net. I feel like I should just pay off the 6k loan but I also would like to pour some into the emergency fund and frankly, maybe take a small trip with the wife. Anyways, thanks so much in advance for your suggestions!  <response>: You pay off the 35 loans, then pay off half of the 23 credit cards. You dont get to go on trips when you are sitting on all this high interest debt. Whatever you needed to use that 35 loan and credit cards on were you forgoing a vacation in the future. 