 that will allow you to temporarily have a lower minimum payment so you can pay off this car quickly and then take all of that money and throw it at the smallest student loan debt, which in this case I think you said was $18,000. But I want you to still check and see if that's busted up any smaller because sometimes they are even by semester when you took it. And when you do that, you satisfy the minimum payment and then whatever your extra payment, which is going to be as much as you can scrounge up, you can literally throw it at that smallest increment of the debt.