<prompt> Human: Like the title says, I am paying off my student loans month to month but dont know if I am using my money effectively. I pay 600 per month into the loan that has the highest interest rate Loan B and pay nothing towards the others. When I started, this loan was also the largest so it was an obvious decision, but now that I have paid for awhile it has shrunk. Should I still pay towards this one because of the high-interest rate? Should I be paying some to each of the loans? If yall know of any calculators for something this complex I would be grateful.I am in graduate school so I dont currently have to pay my loans back but want to be debt free by the time I leave in 5 years. Some of them are accruing interest and some arent. Here are the details:A - 3.4 8,000.00B - 5.8195 3,838.76C - 3.86 5,500.00D - 4.66 5,500.00E - 4.66 2,134.59Thank you for any and all advice! I really appreciate it.Assistant: The advice about highest interest rate is generally right. However there is one detail that you mention that could change things: Some of them are accruing interest and some arentSo some of your loans are subsidized, and some arent. You listed rates for all of them, so I assume those are the rates they will be in repayment.Which loans are accruing interest, and which arent? It sounds like you should be able to pay off all of these loans before you get into repayment, in which case your best bet is to pay off the loans that are currently charging interest first in order of highest rate to lowest, then the remaining loans again in order of highest rate to lowest.Human: You make a very good point! The one I currently am repaying B has interest accruing and so does E. The other ones seem to not be accruing anything. So I guess Ill pay that one off next.  <response>: So in this case, it seems like the highest interest rate loans are also the ones that are un-subsidized which isnt surprising, so it works out the same: B, E, D, C, A either way. 