<prompt> Human: So far I havent found any posts or articles that address paying off 0 credit cards along with other payments that are accruing interest. To give some background on what I mean, I currently have 50k in private student loans 4.7, 23k in federal student loans avg. 3.6 and 2 credits cards that are 0 until February with a combined balance of 7k. There is also the car loan of 13k left at 2.9 and I make 55k gross annually.The question becomes what do I pay first. Im currently using all overtime and extra money toward the private student loan since it would reduce how much interest accrues daily and is my highest monthly expense while paying the minimum on the others or if I should pay off the cards first since the APR will be much higher than the loans at the end of the introductory period. I was paying the cards off evenly so that they would be paid off before the intro period ends but that didnt seem to work too well.  <response>: I would make sure you can pay off the 0 cards before the promotion expires since that is coming up fast. Then return to the highest interest rate loan. NOTE - a lot of 0 promotions starts the clock at the transaction date, which is not always the statement due date. Look at your statement to see the actual date the promo ends. I tend to pay it a month early just to be sure. 