With the limited info provided, I would go for SL #1 first. That 9% interest rate is terrible. Destroy that first, then work on SL #2, then her car. Some people here don’t bother paying down loans with interest rates under 5% (they would rather put the money in investments with the idea that they will probably make better than a 4% return on that money over time), but I personally don’t enjoy debt and think paying off a 4-5% loan is often worth it.