Hi Carly — I’m glad these responses helped you get different perspectives on this subject! I do want to clarify that there is a difference between consumer debt (ie credit cards) and student loan debt, with consumer debt generally carrying higher interest and no repayment plans. Understanding these details can help you figure out a solid strategy. For example, it may make sense for you to aggressively pay down the credit card debt first. Once that’s paid off, focus on the student debt less aggressively while funneling money to an emergency fund or other savings so you aren’t dependent on credit to cover the inevitable surprise costs of being a human. Good luck to you, whatever strategy you devise!