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Smartest Place to Put Tax Refund
Congratulations on your graduation and salary.  You are in a great career field (I know from experience.)  As a background, I would feel pretty confident in your salary as demand for SE is pretty high right now.  During my career there were times that demand was pretty to very low.  Somehow I survived 2001 & 2002, but 2003 was a pretty rough year for me. Here is what I would do if I were you.   Paying off the smallest loans first gives you some great "wind in the sails", and encourages you to keep going.  I really like this approach despite being not the most mathematically efficient.   I'd reduce my car loan payment back to $200/mo. and put that as the last one to pay off.   With the tax refund, and any money left over, I pay off the student loans smallest to largest.  I would also consider reducing your savings to something around the 1K->2k range, and use that to pay down debt. If you use your tax refund, and some of the savings you'd have like 34K left to pay off.  Could you do that in like 14 months?  I think you could depending on your other expenses.  No more than 18 months, and if you really worked hard and picked up some work on the side maybe a year.   That is what I would do.