<prompt> Human: Hi I just graduated from University and Im trying to figure out how to go about paying student loans. I have a bunch of SubbedUnsubbed loans, and was wondering how I should go about paying my unsubbed. I know that I should be paying them first, but does it matter in the order.For example, I have 3 Unsubbed Loans with 6.80 at 1-2k dollars. But I also have an unsubbed at 5000 at 4.66. This one in particular has already destroyed me in that it has accrued 580. Im not too familiar with how interest works, so this is all very new to me. Would it be better to go for the smaller debt with higher interest rate, or higher debt with a slightly smaller interest. Here is a copy of the pain Ill be dealing with for the next couple of years. ---Unsubsidized Stafford1,000.00 316.82 6.80Unsubsidized Stafford2,000.00 633.73 6.80Unsubsidized Stafford1,700.00 445.96 6.80Unsubsidized Stafford2,000.00 232.12 4.66Unsubsidized Stafford5,000.00 578.76 4.66Unsubsidized Stafford2,000.00 121.53 4.29Unsubsidized Stafford1,600.00 96.14 4.29Unsubsidized Stafford600.00 38.44 4.29Unsubsidized Stafford2,000.00 263.53 3.86Unsubsidized Stafford4,000.00 526.39 3.86Unsubsidized Stafford5,000.00 70.83 3.76---Any advice would be greatly appreciated. Thank you.  <response>: In your case, paying the smaller debt with higher interest rates have the best of both the avalanche snowball effect.100 pay off the smaller, higher interest rates first while keeping the minimum payment on the others. 