<prompt> Human: So recently I was doing some research about building credit and eliminating debt and some of the advice was to pay off personal debt including credit cards and car loans first before you pay off any student loans. I dont understand why this is better. My car loan has a 1.9 interest rate with a total of 14,800 left to pay off and the remainder of my student loans total over 15,000 with anywhere between 3.5 to 6.0 interest rate. If the loans are around the same amount of money and the interest rate is higher on the car loan, wouldnt it be more beneficial to pay off the student loans first?Background: I am a 24 year old nurse making around 45K a year and with my living expenses I am definitely able to make more than the minimum payment on both loans. Thank you!Assistant: The financially optimal way to pay down debt is to pay them down in order of interest rate, starting with the highest. This saves you the most money overall.Human: Yes but is there a difference in how lenders and the government view different types of loans? I have read that having personal debt as in a car loan is viewed more negatively than having student debt.  <response>: Yes but is there a difference in how lenders and the government view different types of loans? I cannot think of a reason why this would matter if it were true. 