<prompt> Human: I just received a bonus and want to pay down some debt. I have 5 credit accounts and want to get your opinions: pay down some to 0 and cut down others by about 13 or pay them all down evenly. Perhaps there is better way, too. What is the best approach?  <response>: Pay the loans with the biggest interest rates. Your goal should be to pay the least amount to possible over time. That means paying off the high interest rates first. If they are all even interest rates and will all remain the same then it wont matter which you pay off. If you have any where you expect the interest rates to change then you want to pay off those before the low interest rate cards. 