<prompt> Human: We are given a total 36k. We have set aside some for a new used car for my spouse. We have about 25k to spend on getting my student loans partially paid off. The person in charge of my loans in Navient. There are 15 small loans for a total of 101, 319.41. Break down of loan types and interest:Type Amount of interest---------Direct Loan - Unsubsidized 4 6.8Direct Loan - Subsidized 4 2 at 6 1 at 6.8 1 at 3.4Stafford Unsubsidized 2 6.8Stafford Subsidized 3 6.8Signature Select 2 11I am not sure how to go about getting the best deal out of my money. These student loans hang over my head on a monthly basis. I am tired of Navient and their shitty practices. I have heard people mention you can some times call and they will settle for a lesser amount. Is that true? How do I do that? My first inclination is to pay off the 11 interest ones first. Please lead me down the path closer to a student loan free existence.  <response>: Attack them from highest to lowest interest rate. In case of an interest rate tie, pay off unsubsidized loans before subsidized loans. In case of a further tie, pay them off smallest to largest balance. Your order should be:1. Signature Select. Kill them now. All of your 6.8 unsubsidized loans starting with the one with the smallest balance. All of your 6.8 subsidized loans starting the the one with the smallest balance. Your 6 subsidized loans. Your 3.4 subsidized loan.The one exception is that when you have a lump sum windfall like this, it may be more worthwhile for you to pay off the loans within a certain step from largest to smallest balance with the windfall, and leaving the small ones for you to pay off with aggressive payments. 