<prompt> Human: Hello PF:I recently graduated school this past May with quite a bit of student, credit card, and auto loan debt. Im slowly digging my way out now that Im working and have made considerable progress since June. About 10k paid down in total across all debts.---Heres a breakdown of my remaining debt: CCs 0 for another year or so: 7,200 Auto Loan 4.315 w 4 years remaining: 18.1k on a car worth about 15k Private Student Loans 5-9: 23k Gov Student loans 3-5: 30kMy income is 68k a year. I put 6 into a 401k with 50 matching. That leaves me, after healthdentaldisability insurance, with about 3,700month, take home.My current monthly expenses look like this: Rent - 700 Car Payment - 400 Car Insurance - 137 Cell Phone Plan - 43 Cell Phone Payment - 37 Internet Cable - 170 Dollar Shave Club - 3 Renters Insurance - 17 Gov Student Loans - 117 Private Student Loans - 342 soon to be refinanced over a longer term iCloud Storage - 3 Utilities - 125I keep 1000 in my savings for a small emergency fund and put 650 a month into the account. Anything over 1000 in my savings I use to make large payments towards my credit cards. This method works well for me and Ive been able to pay about 650 a month towards debt.I also put about 1000 into a flex account each month. This pays for all things not covered above. Gas, groceries, going out, eating out, coffee, etc. If I ever go over this, I take the money from savings so it hurts more. Ive been ok at staying in my limits.---My question:I am getting 5000 for my tax refund this year. A few options Im considering:1. Paying all 5000 towards my auto loan and refinancing 13k over 3 years at 1.99 with my credit union2. Selling my car for 15k, using 3000 from my refund to pay off the loan. Then buying an 8k car, financing over 2 years 1.99 paying 320 a month. Using the remaining 2000 to put another dent in my credit cards.3. Using all 5000 to nearly eliminate my cc debt. Finish them off in a few months, then take the money I was putting towards ccs and pay down car loan quickly.No matter what I will continue taking that additional money each month and apply it towards debt. My boyfriend is moving in with me in 5 months and that will cut my expenses down quite dramatically. I am on track to be out of debt in not too long of time, barring student debt, which I have not decided whether or not to pay off quickly or not.Please, let me know your thoughts.  <response>: Mathematically, it makes sense to pay off the highest interest loan first. In your case, it may make sense to pay off the CC since it will probably trigger over to the highest interest rate of all your loans when the zero interest period ends. After that I would target the highest interest rates first like that 9 loan while making the minimum payments on the others. Once that is done, move on to the next highest interest rate and target that loan. With regards to sellingrefinancing the car, you are going to take a guaranteed 3,000 hit when you sell it to save a little on interest by buying a cheaper car. I would hold on to the car. I have not done the math on it, but I do not think it will make a big difference in your overall financial outlook. 