<prompt> Human: Hi everyone,I have 5k to spend on debt. Need some help on where I should apply some payments...I have 2 credit cards, and 2 loans.Credit card 1: 3000, no interest until next January.Credit card 2: 2737, no interest until August.Loan 1: 8060 12Loan 2: 2426 3.86I want to use this 5k wisely. Seems obvious to focus on loan 1 for it being the highest interest debt. Any help would be greatly appreciated.  <response>: Honestly, you need some wins in your life right now. First, I would save 1,000 for emergencies.Next, I would Pay off Credit Card 2. Give yourself a win. Use the rest to pay down Loan 2. Pay minimum payments to everything else and get that paid off. Then get Credit Card 1 paid off followed by Loan 1. Most importantly, quit borrowing more money. If you dip into your emergency fund, quickly replenish it. Find some part time work, sell some stuff. You can very quickly get this paid off. 