<prompt> Human: My GF has about 7k coming back in taxes. She has a few cards she owes on:1. Chase - Balance: 12,686 - No interest until August2. Amex - Balance: 3,409 - 27 Interest3. Wells Fargo - Balance: 5,176 - not sure about interestwe also have a mortgage that we split that is up to date with a 395k balance. How should she approach this with her refund and getting these paid down? Thanks!  <response>: Interest rate is the only thing that matters. Pay off the debts in order from highest to lowest interest rate. Of course, keep enough money on hand for emergencies and to make sure you can afford the minimum payments on all debts. 