<prompt> Human: I have 4K to put towards my debt. I currently have a 5.437; fixed rate personal loan with a 4K remaining balance pay off date in mid 2020, and a 037; interest rate credit card which also has a 4k balance on it payoff date May 2019. After the 12 months the credit card interest rate jumps above 2037;. Regardless of what I do, I am targeting to have both paid off by the end of 2018, but just wanted some advice about which one would be smartest to pay off immediately: Personal Loan? Credit Card? Half and Half? Ultimately I want my credit score currently just below 800 to gain the most points given this 4K I have on hand to pay.  <response>: If youll be able to pay off the balance of the 0 interest rate card before the 20 interest rate kicks in, then knock off the loan with this 4K. Make sure there are no penalties for early payment uncommon for personal loans, but best to check and confirm. Your score will likely drop a bit because the personal loan will stop being an active account on your credit report, but the 5.4 interest rate isnt particularly great, and its probably worth saving yourself the money by knocking that debt out. 