<p>If her job seems solid, she has a reasonable emergency fund, and she has a reasonable monthly budget plan, then she should consider paying them down at an accelerated rate to get them out of the way. They’ll always be liabilities when she’s applying for car loans and home loans and it’ll always be hanging over her head as yet another bill to pay off every month. If she can manage it she should try to get them paid off before she starts running into the other big financial commitments of house, wedding, kids, and the like.</p>