@Sk323i wrote:
My score is 624
I have a mortgage and a car payment that equal $2000 total.
I’m in college still but I’m 29.
I’m making about 65K take home.
I use student loans to pay for tuition.
I have 9K in credit card debt.
Is it better to pay of student loan interest and loans first?
Or credit debt ?
Or auto debt?
Best to pay down credit cards first.
Credit Karma uses Vantage scores which don't reflect actual FICO scores. Use CK to get report detail but take their scores with a very large grain of salt. 
I'd get actual FICO scores if possible, there's places where you can get them for free (Discover Scorecard is one place that gives EX score). Some bank/CC websites will give a FICO score if you have an account there. You could always get them here on myFICO, but it costs some money to do so, but you can get reports and scores from all 3 bureaus.
The late on your mortgage is the biggest issue affecting your scores at this point (if it was 30 or more days late)... as long as you keep it current only time will age this off eventually.
@Sk323i wrote:
So my Credit debt - was actually a revolving line that I closed because it was becoming unmanageable. So it 9K - not accruing interest or additional balance. On a payment plan of $170 a month for another 2.5 years or so.
Car loan is about 25K at 4.9% with a credit union. Payments are about $650.
Student loans are at about 25K now with payments deferred until I graduate.
When I look at my score on credit karma - it looks like the student loans are hurting me the most because their balances are the only ones increasing - not decreasing.
And maybe the CRAs don’t know payments are deferred.
It just looks like higher and higher balances
As for my mortgage - I had a misstep and had a late payment about 6 months ago. I’m staying on track with all my payments now / this way I can refinance in about 6-12 months.
All in all - I’m struggling.
Ive cut out a lot of unnecessary spending.
We don’t eat out.
Sure my auto loan is high - but I’m already under water on it - so hard to back out now. It’s a Toyota Tacoma that I think is a good investment and I will keep forever.
Anybody have any input?
Should I just pay the student loan balances down each month - so the balances lower ?
No, concentrate on the revolving line of credit.
And please disregard Credit Karma. That will give you serious misinformation.