Yes exactly! Make the minimum payment on one and pay everything extra to the other to get it paid down quicker. Do you think you can get both paid off before December? If you can’t, I would say focus on the 3200 one first, pay it off, pay whatever you can on the 1600, and take the remaining balance from your savings to pay it off and avoid getting charged interest. There’s also cashback apps like Ibotta, Receipt Hog, and Fetch Rewards if you want something that could help you earn a little extra. It’s not a lot of money but $20 here and there can help a lot!