<prompt> Human: I recently switched to Vanguard from Waddell and Reed and had a financial advisor. I have two major debts besides my mortgage, a personal loan and student loans. Both are around 15k total but my personal loan is 2.99 and the student loans are 5.75. Personal loan is scheduled to be paid off in May of 2018 with a minimum payment of 450. Student loans will be paid off in 2027 with a minimum of 180. My old financial advisor and other people have repeatedly told me to pay off the personal loan first using the snowball, but that just doesnt make sense to me. If I add an extra 500mo, I dont get much savings from the personal loan but I would get several thousand dollars saved from the student loan. Im just checking if Im crazy, but I dont see the possible tax deduction outweighing the savings.  <response>: Its a conflict between cash flow and bottom line. 