Burnt_Prawn t1_j2eb4ji wrote on December 31, 2022 at 5:02 PM

Is the intro APR on the credit card 0%? If not , I’d pay down that first. The two loans are pretty low rates honestly and some high yield savings accounts will return higher amounts nowadays. I’d prioritize establishing a better emergency fund, contributing 8% to the 401k, then paying down the loans

ausb781 OP t1_j2eo288 wrote on December 31, 2022 at 6:28 PM

It is an intro APR that expires in March. I’m planning on paying it off by the end of February.

My HYSA saving account currently has a a higher interest rate than the private loan, so I’ll definitely get a better return saving.

I think I will focus on saving more instead of aggressively paying the private student loan, especially I pay the CC off.