I believe that the student loan cannot be paid down, it only gets paid ahead. I dropped a 5,000 payment on my student loan and it paid it ahead 3 years but did not go toward the principal even though I specified to apply the 5k to the principle.
Your option is to pay off the student loan in a single lump sum, or attack the other debt—I’d pay off the car, simply since many are upside down in the car loans, this will make it easier for you to get out of the car in the future.
Someone correct me if I am wrong about paying the student loan in one lump—I’ve called Nelnet a dozen times and that is what they gave me.
Keep in mind that if you make too much then you cannot write off Student Loan interest, or will only partially write it off.
NO offense, but there is a truck load of mis-information on this thread concerning this topic, I am not starting a fight, but financial myths pervade our consciousness to the advantage of the bank.