<prompt> Human: Trying to make significant chips in my student loan debt. As I mentioned above, I have 9 Stafford unsubsidized and subsidized loans: Direct Sub: 3,372.99 - 3.4 fixed Direct Unsub: 1,686.19 - 6.8 fixed Direct Sub: 4,346.79 - 3.86 fixed Direct Unsub: 2,116.45 - 3.86 fixed Direct Unsub: 4,232.88 - 3.86 fixed Direct Sub: 5,212.06 - 4.66 fixed Direct Unsub: 2,072.76 - 4.66 fixed Direct Sub: 5,211.85 - 4.29 fixed Direct Unsub: 1,975.79 - 4.29 fixed Should I focus my future payments on paying off the higher interest ones first like the one at 6.8 and then go from there in descending order? As of now I just make payments of 336 each month and not much is changing because of interest accrued. Assistant: Hey all - appreciate the advice. I have the money to pay off the 1,686 loan at 6.8 - should I now?  <response>: If you are comfortable with where your emergency fund or other expected expenses will be at after doing so, definitely. Its your highest interest rate AND your lowest balance, so both Avalanche Snowball would eliminate it first, making it a great pick. 