I currently have a credit score that hovers around 650. AFter making some piss poor choices in my youth I am now 30 and want to start thinking about, and seriously getting my finances in the right place to get a loan and also save up for a house

I currently have two personal loans out that total out to $5900. ANd some credit card debt that is around 14k over several cards. I can afford to pay off both loans or some of my credit cards. My loans do not incur a prepayment fee if I choose to pay them off early.

I'm curious if paying off my two loans is more beneficial to me or paying off my credit card debt instead. Interest rates are Credit Cards all higher usually around 22-24%. I have a loan at 29% and one at 8%.