<prompt> Human: First of all, thanks to all the knowledgeable and helpful members of this sub!I graduated from college in May take home 4000mo. When I started working, I used as much money as I could save to aggressively pay off my 3500 in CC debt. I have since been saving up an emergency fund and will have met my goal of 5000 by next paycheck. Now I need to decide which debt to hit hard next, and pay the minimum on the others. Heres the breakdown:Auto loan: 9,740 -- 4.95Direct subsidized stafford 1: 2750 -- 3.4Direct subsidized stafford 2: 5500 -- 3.4Direct unsubsidized stafford: 2259 -- 6.8Federal stafford: 3500 -- 5.6Perkins: 2000 -- 5.0Owed to family member: 2000 -- 0.0My monthly expenses are 1500 didnt include car payment- 194mo or student loan payment in that. I have heard often to pay off the highest interest debt first and I understand the math behind this, but I was wondering if there were a reason to pay off the car first. All of the loans are in grace until November unsub and stafford 1 are accruing interest already, so I am not sure what their monthly payment will be. I am not too familiar with the tax credit for paid student loan interest, but I guess that plays in to the decision as well. I have talked to my credit union and after Ive owned the car 6 months November 2013, I can refinance. I only quickly glanced at a table of rates they showed me and I should be able to qualify for 2.9-3.75 rate. Im not sure of the exact rate and recall that my credit score was in their excellent range, but my DTI may increase the rate they can offer me.Thanks for the help!  <response>: Family member then student loans in descending order of interest rate. 