<prompt> Human: Hello,Im having trouble understanding if and why paying off the highest interest loan makes sense in this situation. The only explanation Ive found in searching is that paying off the smaller, higher interest loan first has psychological benefits, but Im already motivated to pay all of this off as quickly as possible and dont really care about how I feel about the process.So, heres the scenario:I have a student loan at 9k at 6.4 interest, and another at 20k with 5.875 interest. Everything I read says pay highest first, but I dont understand why it wouldnt make the most sense to cut the 5 interest loan almost in half first, making the collected interest the same as the 6 one, before doing that.I want to get as much information on this as I can before making my payments, so please share your thoughts!Thanks in advance!  <response>: Pay off the loan with the highest interest RATE first, because the loan with the highest interest rate generates the most interest per principal per time. 