Okay. So I have a personal loan amount of 6500 and a car loan of 10000. The car isn't worth anything but maybe 5k. I have just enough in savings to fully pay off the car or the personal loan. I know snowball and pay off the smaller loan but if I pay off the car now it'll take less time to pay off the personal loan. But paying off the personal loan first and taking more time to pay off the car and the cars worth continues to depreciate. This would be in hopes to having the car paid off and loan paid off asap so I could use the cars Worth towards a better car and actually have some positive equity and reliability. Any help is welcome.