<prompt> Human: I have tons of loans, but within these loans Im trying to make some progress. Here are the two choices:Federal - 1,800 part of an 8,000 loan 6.8 Private - 2,400 part of an 18,000 loan 5.3Both save me 25 a month once paid off. I thought it was obvious to pay off higher interest first, but everyone lately has been telling me I really should try to knock out Sallie Mae since its private and will never be eligible for IBR etc.My total loans are 115k so its really just a tear drop in an ocean but I figured Id ask.  <response>: IBR is not a reason to prioritize lower rate private loans over higher rate federal loans. However, some of the loan forgiveness options might be. If you were in PSLF and the federal ones were set to be forgiven in 10 years, then paying the private ones first might be better overall would have to do some math to be sure. Same if you were working for the DoD and got the loan repayment bonuses that they sometimes offer only applies to federal loans.But without a situation like that, hit the highest rate first. 