<prompt> Human: Hello personal finance! I must start by saying this sub reddit scares me silly...I currently have an auto loan co loan with m brother on a vehicle for 16,000 at 5.2. I have 3800 dollars in credit card balance at 6. I currently have 14,000 dollars and wanted to know if itd be wiser to.A. Pay off the card completely and keep my credit card balance lowB. Refinance my car in my name Credit score 645 and put a lump some down paymentC. Make larger payments than the minimum and keep some reserve money for emergencies.I am now a student and will be making money using my GI Bill. Sorry for the long post but I am moving from Korea after 5 years in the military and want to start my life right again. Thank you again for your time.  <response>: Your credit card has the higher interest rate so you want to pay that off completely before putting any extra money towards your auto loan. You may want to save a few thousand dollars as an emergency fund then put the rest of the leftover money towards the auto loan. 