I am currently considering buying a home but want to pay down a bit of debt first.
Car Loan: $10,900 @ 5.99%
Student Loan:
1. $1098.62 @ 6.55%
2. $3,374.19 @ 3.150%
I make a little over 100k and I’m wondering if there is any real strategy I should use to pay them off? Smaller or bigger debts first? Or just try working on both? I just paid off all my credit cards so those 25%+ APRs can’t terrorize me anymore. I just started making this wage so I’m trying to be more financially responsible and literate.
Thanks
Prioritize by interest rate.
Student Loan 1 could be paid off in a month, then the car at 5.99% interest, and finally the last loan.
I would start with the $1,098 student loan, get rid of it. You can have it paid probably in the next two months.
Then, the car. Start paying extra and try to pay off within 12 months.
Then, you can work on paying down the $3,374 student loan. The interest rate is so low on this. (Just keep making regular payments while you are paying your other student loan and car down. Once those are paid, you will probably have enough money to knock down this last loan very quickly.)
IMO smash Student loan 1 then 2 then karate chop the car. Even though student loan 2 has lower % it’s the next closest alligator to the boat as far as being manageable to pay off.
Debt snowball. Pay off the smaller loan first, then roll that minimum payment into the larger loan to pay it off faster.
You may find these links helpful:
– [Student Loans](/r/personalfinance/wiki/studentloans)
– [Student Debt Relief Megathread](/r/personalfinance/comments/wxme1a/student_debt_relief_megathread/)
– [“How to handle $”](/r/personalfinance/wiki/commontopics)
– [Debt](/r/personalfinance/wiki/debt)
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*
Car loan first. They have a shorter term which means larger payments. This will effect your overall debt-to-monthly-income ratio more than paying off the student loans.
Just as a note because few people on this sub seem to remember this, but interest is taxed. If your making 4.5% on a HYSA and your marginal tax rate is 20%, you’re really only making 3.6%. However, the student loan interest is also partially .deductible, so you have to add that in
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