<prompt> Human: Hi All,To make a long story short: I graduated from college 2 yrs private school 2 yrs at a state college with a ton of student debt. I spent my first year post-graduation volunteering, and for the last year have been employed making roughly 40,000. Im basically drowning in this debt and am at a total loss. My folks, as great as they are, cant really offer any sound financial advice that extends beyond the relatively obvious. I would be so appreciative for any and all feedback! I have 5 loans, all are private but one. The breakdown is as follows: 3,978.18 at 9 interest -- monthly payment: 133.53 16,648.47 at 8.25 interest monthly payment: 121.79 21,372.03 at 4.5 interest -- monthly payment: 147.83 22,862.09 at 4 interest monthly payment: 152.81 Dept of Education: 21,730.63 at 6.2 interest -- monthly payment: 126.60 This brings me in at 86,591.40 in debt, and a monthly total of 682.56 Im not having an issue making my monthly payments, and am saving about 400 a month. Im frustrated because I just noticed that on a 121.79 payment 9.39 went to principal and 112.40 to interest. Should I be doing something differently? Would it be wise to try and pay off the 3,978 loan immediately? Im feeling pretty overwhelmed! Assistant: Start by putting all your extra money towards your highest interest loan 9 one, and in this case thats also your lowest balance as well, while paying minimum to everything else. If you put 400 extra towards it, you should have it paid off in just about 8 months.Once youre done, apply 133 that you just freed up, and all extra money towards your next highest interest loan at 8.25 and do that until you pay it off. Repeat the process until debt free. Human: This seems like sound advice. I just went to unbury.me and found that If I contribute an extra 400mo my total interest paid drops from 43,329 to 19,236. I think that it is calculating for that extra 400 to go to my loan w the highest interest rate I have avalanche selected, right?  <response>: yep, avalanche is what you want to do money wise. Its amazing what a few hundred extra does to debt 