<prompt> Human: Hi all, Im anticipating a tax refund of roughly 2000 soon and Id like to pay off debt rather than blowing it like I have in years past. I am trying to move out soon 22, recently graduated and as of now I have roughly 4,100 left on my car loan and owe roughly 1,400 between two credit cards. I understand that the credit cards have a much higher interest rate than the car loan, although the car payment is significantly higher than the monthly credit card payments. Any insight or suggestions are greatly appreciated!  <response>: Pay off the credit cards in full. You target the highest interest items first. 