[lotharbot]

Very few people in the high salary range have their shit figured out. Your story is all too common. Just asking for advice puts you ahead of most people.

One common hack is called the "debt snowball"; it's advocated by Dave Ramsey. The idea is, keep making payments on all of your debts, but channel any extra money you can into one of your smaller debts. Once it's gone, you get a psychological boost, and you can redirect everything that was paying for that debt into another one. So the next debt gets paid down even faster, and the one after that, even faster.

[anonimo]

That is a very costly hack. You should pay off the loans with highest effective interest rates, period.

[lotharbot]

There are really two hacks here.

The first is a human psychology hack -- paying off small loans so you can feel the results and be motivated to keep at it. You're right, it is costly to ignore a higher-interest loan while aggressively paying off a lower interest loan... but it's much more costly to lose your motivation and not pay off any of the loans. (For someone with the discipline and motivation to pay them off without this hack, I agree, pay off the highest interest rate first.)

The second hack is the "snowball" idea -- once loan A is paid off, use the cash flow to pay off loan B, and then use the cash flow from A and B to pay off loan C. This works no matter which loan you pay off first. As a followup, once most or all of the debts are paid off, I recommend using some of the freed-up cash flow to increase savings rate.