So currently I have just under $33,000 in debt (not counting student loans but those payments are deferred for now so I’m not counting it atm). I’m getting $24,000 in the next week or so and am trying to figure out the best course of action for this debt. The interest rates on my debt are insane but I had to do what I had to do at the time due to financial misfortune and no support system to turn to family or friend wise at the time. I’ve been working to dig myself out of this and finally got a bit of luck with this money coming in. Any help as to what would be the best course of action would be greatly appreciated.

The debt is as follows:

$19,200 car loan with an 18% interest rate (first car purchase and not the best credit when I bought it. I pay $475 per month)

$5,074.15 rescue loan at 30.44% interest (I pay $173.29 per check)

$2,400 rescue loan at 97.7% interest (I pay $155 per check)

$6,016 in collections (not currently paying anything to it)

$171 in collections (not currently paying anything to it)

Before taking out those high interest loans I did try other options for personal loans to try getting a better interest rate but my credit at the time didn’t let me qualify. What I’m trying to figure out is if it would be better to pay off the two rescue loans, both collections, and then throw the remaining amount into the car loan and then refinance the rest for a better interest rate or if I should pay off the car and the smaller loan or idk what else could possibly be best. I know the auto loan accrues interest daily if that makes a difference. Thanks in advance for any and all help. If I need to give anymore details lmk!