I graduated from university 9 months ago with roughly $30k USD in student loan debt, with interest rates from 3.1% to 6.5%, minimum payments are $300/month. Loan balances are from $2500 to $6500. I have a car loan that has $8700 left on it, minimum payments are $200/month (I've been paying $500/month), interest rate is 3.5%, I have to have full coverage insurance due to the loan which is $120/month. I have $3000 in my savings account right now, making essentially no interest but I'm saving for a house.
I work as a software engineer making $67k USD a year.
My tax return this year was $3000. With this, I can either A) Pay off one of my 6.5% interest student loans (there are two of them, both $2500), B) Put it all towards to my car loan, C) Put it into savings towards a down payment for a house.
With A), I pay off 10% of my student loan debt in one swoop, reducing my overall cost.
With B), it drops my car loan down to $5700, getting closer to paying that off, at which point I can reduce my insurance coverage and have ~$400 less per month of bills.
With C), it puts me closer to owning a house instead of renting, which is a big goal of mine but I don't want to jump into it before I'm financially ready.
My question, financially are any of these options better than the others? I would like to get into a house as soon as possible as I'm frankly just tired of dealing with rentals and land lords, and throwing my money away each month. But I know that will also be easier with less debt.