<prompt> Human: My grandmother is giving me 10k in December. She provided me cash to pay for my car and I pay her 200 monthly, with 0 interest. Its a small amount monthly, which is much appreciated. I owe her 9,200 total. I also have student loans. I owe 20,700 on these. The interest rate is 3.16 with a monthly due of 142. I normally over-pay each month. Should I wipe out my car debt and use that 200 a month to put towards my student loans on top of what Im currently paying? Or should I put the full 10k to my student loans? Thanks for any advice!Assistant: If the interest rate you pay her is 0, it behooves you to pay the minimum amount on it and throw everything at the student loan.Human: Yes, her interest rate is 0. I wont have much to throw at the student loans. I feel like with the car payment being gone I could use the extra 200month for student loans. Thanks for the advice!  <response>: Yes you are right but you are also wrong. Sure thats 200 you can throw at the loan. However, its 0 interest so what sense does it make to pay 10,000 that is interest free that you can pay over time when instead you could throw that 10k at something that is charging you monthly and on the total amount balanced? Come on man! Common sense! 