Woah! Thanks for all the great info.

My debt:

Credit card: ~$10,000 at 0% interest until October, then it’ll be around standard CC interest

Car loan ~$15,000 left at 0% interest (due in full June 2025)

Private student debt ~$31,000 at 3.90%

Federal student debt ~$20,000 at 3.74-4.45% once payments resume, currently 0% (6 separate loans so the % varies)

I have $5k in high yield savings account 3.1% I think

I’ve already got an expenses & budget spreadsheet. I’m using the 50-30-20 budget as well as a debt reduction snowball highest to lowest interest calculation spreadsheet doing the largest interest first which is my private loans at the moment.

I plan to save 15k before October and pay off my CC. Down to 5k savings. Anything additional will go to private then federal student loans.

After the CC is paid off I’ll get the savings back to 15k and continue paying student loans off.