conversation: User (HeLiX_C): "Hello /r/personalfinance, Long-time lurker, first time poster. I’m at a crossroads with my financial situation, so any help is appreciated. Thank you in advance!\n\nI'm currently 27k in debt spread across 6 student loans. I've placed all my loan balances, monthly payments, and interest rates on [unburyus.us](http://unbury.us/#monthly_payment=572.59&amp;name_0=1.01 Stafford Sub&amp;balance_0=1751.23&amp;payment_0=34.34&amp;rate_0=6.8&amp;name_1=1.03 Stafford Sub&amp;balance_1=2788.67&amp;payment_1=49.35&amp;rate_1=6.8&amp;name_2=1.05 Stafford Sub&amp;balance_2=727.72&amp;payment_2=16.31&amp;rate_2=6.8&amp;name_3=1.01 Stafford Unsub&amp;balance_3=5471.75&amp;payment_3=100&amp;rate_3=6.8&amp;name_4=College Advantage&amp;balance_4=8493.47&amp;payment_4=172.59&amp;rate_4=7.5&amp;name_5=Chase Undergrad&amp;balance_5=7954.97&amp;payment_5=200&amp;rate_5=9.25&amp;) for reference.\n\nI'm familiar with the Avalanche and Snowball method of paying down debt. I know I should pay down my highest interest "Chase Undergrad" loan (9.25%) as quickly as possible which I am. The monthly minimum for that loan is around $98.00, which would take forever, so I've been paying $200.00 each month to speed up those payments.\n\nMy smallest loan "1.05 Stafford Sub" has a current balance of $727.72, I have about 2k in my savings right now and I'm considering paying this off completely to save about $200.00 in interest in the long run. Is this worth it in the end or should I take the $727 and put it towards my "Chase Undergrad" loan to pay that down faster? I could use even more of my savings right now towards that loan, and according to that loan calculator if I payed $1000 right now that would save me about $500 in the end but would use half my savings.\n\nI'm struggling with this decision because I feel like eliminating 1 of my loans all together right now would help my confidence in making these repayments (snowball method), and would feel like this is actually working. What do you think?\n\nHere's some info about me and my current situation, not that it's crucial to this post but maybe it'll help you understand my situation a little better. I'm 29, male, live in the Los Angeles area of CA, have a steady job making about $50k/year. My Fiancée and I are getting married in November (with help from her parents, thank goodness), but were trying to save up for a down payment on a house in the next few years. And I've been struggling to save any money at all with $600 in loan payments every month on top of $700 rent and all other expenses. Her mom has offered to match up to 10k of our savings towards the purchase of a home (there's no deadline - whenever we're ready). So this is why we're trying to prioritize which is more important in the long run, **saving for a house or paying more towards my debt?**\n\nWe've been pretty good about keeping our expenses low and are still looking for other ways to save. But any suggestions or advice on this subject would be greatly appreciated. Thank you!"
  Self: "What does your other loans look like?\n\nAnd you got 2k in saving paying off the 727 would only be able like 40% of that 2k. I would just pay it off completely if I could however its depending on how close you are to paying off the 9.25 one.\n\nTLDR NEED MORE INFO on the other 4 loans"
  User (HeLiX_C): "Thank you. I did post the other loans on that unburyus link the body of the message. Can you look at that and tell me what you think? "
  