<prompt> Human: I just paid off my card in full, and my goal is to never carry a balance on that card again...pay in full every month if I must, but ideally I would never have to use it. I also have about 55k in consolidated student loan debt at 6-6.25 interest. I pay about 81 dollars a month for one private loan 9,000, and 270 for the other 45k. If I pay the minimum according to my plan, I will end up paying 90k by the time its paid off-- which is absurd to me. I have about 6k in tax debt that I owe from tax year 2010. Ive been making regular, on-time payments on the tax debt since January. I get charged lower interest than my student loans. How do I go about tackling this debt? Should I focus on getting the tax debt pay off, or paying of the principal of my student loan debt. I feel like I try to pay wherever I can, but I have no consistent payment pattern or strategy. Any suggestions for plans or resources that can help me?Edit: Im 29, no kids, no property, full-time employed.  <response>: Attacking the debt with the highest interest rate will mean you pay less money overall and you pay the whole thing off quicker. 