<prompt> Human: Hey everyone, Im curious as to which loans I should pay off first. Im still in college, but Im trying to reduce my debt as much as possible while I have a good situation going for me. My highest interest rate is a subsidized loan at 4.66. I thought about paying that off first, but my 3 unsubsidized loans 4.29, 3.76, and 4.45 are currently accruing interest. While Im still in school, should I pay off the unsubsidized loans first so I can take get the interest out of the way before everything starts accruing interest? I have about 25k in debt and Im hoping to get around 5k paid off before I graduate in December, and then Im going to be super aggressive with my payments. Thank you for your help!  <response>: Pay the debt with the highest effective interest rate at the present moment. If something isnt accruing interest and will not retroactively accrue interest, the effective interest rate is 0.Pay the 4.45. 