Car payment or credit card?

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8. Generally, pay down what is costing you the most in interest

Cut down the alcoholic stuff--your liver and kidneys and bank account will thank you! Pay down the credit cards as quickly as possible!! They'll eat you alive with finance charges. The car loan can be paid off gradually. I would say it's your lowest priority. Get the student loan paid off next. That can't wait, and if you ever have to declare bankruptcy, you can't get rid of that one. It's probably costing you more in interest than all the other debt combined. Interest is an expense you get nothing back for-- "Buying a dead horse," as my grandfather would say.