<prompt> Human: I have my Dept of Edu loans split up, and the biggest one is 8000 at 6.8 and the smallest is 1300 at 3.4. Is it better to just drop 1300 and clear that one out, or would it be better to drop 1300 on the bigger loan?  <response>: If you owe 10k on a credit card at 15, and 10k at 5 to Vinny who will break your legs if you dont pay by the end of the month, pay Vinny first. 