Debt triage & payoff order

With several loans at once, the first question is not which to pay first but whether you can cover every minimum. This tool compares what you can pay each month against the total minimum. If there is a surplus, it orders your loans by interest rate (highest first) and points the extra at the most expensive one. If there is a shortfall, it stops optimizing and switches to damage control.

Result

You can pay 3,200 a month, but the minimum payments alone total 3,600 — a shortfall of -400. You are underwater. This is not the moment to optimize the payoff order; it is the moment to stop the bleeding: stop all new borrowing and investing, contact each lender to explain and arrange a deferral or a payment plan, and work to raise what you can pay or lower the minimums.

Total minimum payment / month: 3,600
What you can pay / month: 3,200
Cash shortfall: -400
Action: Stop the bleeding: halt new borrowing and investing, contact your lenders

A triage rule from your inputs, not legal or investment advice.

Assumptions & limits

When you cannot cover the minimums, stop borrowing and investing and contact your lenders to arrange relief; late-payment consequences follow each contract.