<prompt> Human: My wife and I are working on paying off her student loans right now and Im trying to figure out what the best way to do it is. She has about 5 or 6 I think that were paying toward. We have the ability to either pay off the biggest one, or pay off a few of the smaller ones. My question is: which is better?We took Dave Ramseys Financial Peace course earlier this year and based on that logic, paying off the smaller ones first would be recommended. My argument against that is that the bigger loan is growing the fastest, even with a lower interest rate than the smaller ones, due to the principal balance.I just want to pick the option that makes it easier for us to pay these off in a shorter amount of time while also paying the smallest possible amount over time to actually get these paid off.Thanks for any help!  <response>: Size is not the issue. The most efficient way is to pay off the highest interest loans first. The snowball method feels best because youre achieving results sooner, however the avalanche method mathematically gets you out of debt sooner.Use this tool to plug your loans into and play around with different payment options. 