<prompt> Human: I am in need of some help and advice about my finances here, and reading this sub has helped me in more ways than I could imagine; so I wanted to reach out for some advice.Im 24, and I deferred my college loans for my first year until I got a steady job. On the interim, I took out a loan to get a certificate in order to nail down said steady job. I also have a car, which Im paying for so much regret there - dont get me started, and I have a credit card.My savingssecondary checking for my rainy day fund is 3535.31.My credit card has a balance of 2910.32Certificate loan: 3418.43Car: 3742.16Thankfully, I now have a terrific job, which has provided me with an okay income sufficient for someone my age, and Id like to get this debt pieced away before I start making income-based student loan payments.I know I should pay off the first thing that has the highest interest - so my credit card. Im debating if I should pay it off entirely this month, and then pay off that certificate loan in 1,000 increments.However, that doesnt leave me with much leftover in my rainy day fund.The car loan Im not necessarily worried about.Oh and I also failed to mention Im trying to go to law school this fall, so Id like to boost my credit score.Im also wondering if I shouldnt jump the gun, and just make 500 payments to each of those two loans per month so I dont shoot myself in the foot as far as savings, rainy day needs, etc.I know I have a decent amount of debt, but I should also note that I graduated college with pretty much no credit, so I took on some debt to build it. Adulthood.. not my favoriteReally any advice is beyond appreciated.Thanks in advance!!  <response>: I wouldnt completely deplete your rainy day fund. If an emergency comes up and youve been using that to completely pay off your debts, youll be in even more trouble.Id say pay sizable amounts toward the debts while still stashing some away for the emergency fund. Making payments on time and not causing the debt to get hit with the interest will help your score. 