<prompt> Human: Im 22 currently with around 7 grand in debt. I havent made the smartest choices over the last five years and I am finally in a good enough financial position to start putting more money towards bills. Now should I start with my car payment that I owe 4 grand on or other smaller payments?  <response>: Check out After entering your min payments adjust the monthly payments by the extra amount you can afford to pay each month. So if you currently pay 500 but can afford another 250, enter in 750. Then toggle between avalanche attacking highest interest first and snowball attacking smallest balance first. The idea for both is once the first loan is paid, you roll that payment, plus the extra youve been paying, into the next loan. Avalanche always saves the most in interest, but sometimes people feel more rewarded doing snowball because they are seeing accounts close earlier. I suggest doing whichever one you will stick too. 