<prompt> Human: Hello rPF,Let me preface this by saying I know Im an idiot.Im 26 and I have 4 student loans and 2 credit cards with balances. Heres a list of these:Loan 1: 3396.15 left, 10.625, 104.25monthLoan 2: 13,842.49 left, 4.25, 111.40monthLoan 3: 20,335.14 left, 7.16, 140.20monthLoan 4: 3219.57 left, 9.99, 50.00monthand Cards:Card 1: 1288.94 balance, 23.24!!Card 2: 2026.91 balance, 15 Ive stopped using this card altogether, just making payments each month.I just received a quarterly bonus of 1000. I want to use this whole bonus to pay down one of the above debts.My initial plan was to pay down Loan 1. Ive been paying extra towards it each month and would love to get rid of it completely, so I can use the 140.00 I pay towards it each month on another loan.However, I then got the idea of completely paying off the one credit card which Id be able to do with the bonus just a little extra money. The interest rate is outrageous. I still use this card, as I get points back from amazon which I now payoff instantly; the balance is from previous spending. I really had the idea of making a huge dent in one of my loans because they are currently the bane of my existence without them Id be able to save a ridiculous amount of money. But the credit card is costing me a lot of as well.How should I best handle all of this? I know theres no one right answer, but Im just looking for any advice. Thanks for any help!edit: I meant to add this initially, but should I look into refinancing any of my student loans? Loan 1 10.25 is Sallie Mae, and Im not sure I can even refinance their loans. I could also look into getting a different loan at a lower rate from my bank or something to pay that off and repay the bank loan.  <response>: Pay card 1. The relevant metric is interest, not cash flow. 