<prompt> Human: So heres the financial background. My wife and I have been paying off our debt at an astonishing rate. We had about 18k in credit card debt in the summer and we are down to 5k. Right now we make around 120k a year combined. We have 1k in emergency fund but owe 5k in cc 0 until December 7k for a quad 7 love the quad. Worst impulse buy I ever MadeWe also have approximately 100k in student loans. We have a property we own but have outgrown as a family. We rent that out as an even wash. No cash flow. The house we live in we rent from her uncle and really want to start looking for a house to buy. The goal is to be ready for another primary property by May 2017. Question is we get about 8-10k back in taxes. Should we use that to help build up our Efund or pay the credit card and quad off? Thanks in advance  <response>: pay off as much debt as you can. highest interest rate first. thats a guaranteed rate of return. 