<prompt> Human: My wife and I have a combined student loan total of 148,000. We have 15,000 in credit card debt. What would be the most efficient use of the 5,000 check? As you can see with my debts, I have not been the most intelligent with money. Both my wife and I work full time but feel overwhelmed even with an awesome gift and would like advice.  <response>: Pay offdown your highest interest rate credit cards 