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SW Ohio | Whatever loan creates the biggest cash flow gain is what I would pay off and use addtl cashflow to svc the remaining debt and payoff/paydown the next loan with the highest pmt amt annually then it snowballs and you gain more cashflow to free up for attacking other debt. With that said 3.5% is a damn good rate and won’t see it again but bottom line is cashflow is the most important get that straightened out and there’s more to go around to retire other debts faster.
For example terms, amortization and fees definitely need to be considered for example 25yr loan on 3.5 is a low cashflow requirement but 3.5% on a 10-15yr amort vs a 30yr at 6.5 might have a bigger cashflow reduction bc th term is so short.
Edited by zaggywaggle 3/5/2026 13:53
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mysterious question
