<prompt> Human: I recently moved in with my girlfriend and am helping her pay down her debt since were saving so much on rent. She has two different credit cards and a car loan. My assumption is that it is best to pay off the credit card with the highest interest rate first, but figured it wouldnt hurt to ask, is there any value in paying off the credit card with the lower balance first instead?  <response>: Mathematically, its always the higher interest rate loan. The balance is irrelevant. Think instead of the amount removed from principal that is no longer accruing interest. 