What would be best to pay? C/O or student loan

[Bmom]

Hello.. 

I'll get right to it. I can't pay the C/O, settle it, or anything else. It's passed the sol.  Credit union visa that has no budging. It falls off next year. 

It is reporting a balance of 4964 of 5000. Should I just save the money and wait it out?

Student loans are hurting as I owe on most more than I borrowed,  but they're still in pandemic pause. 

Borrowed/Owed

5950/8420 -41% paid

3500/3830 -9%

1750/1962 -12%

1827/1827

And one for 300 I was paying that one before the pause.

I'm working on being mortgage ready in the next 12-18 months. All the rest of my baddies are taken care of more or less, and I should see the results of that in the next month or two. Please and thank you. 

[Bmom]

My thoughts are to work on the student loans. Biggest to smallest, as they are paused and have high interest rates of around 7-8% because the rates must have been high then. IF the loan forgiveness goes through the SCOTUS, I'll simply get that money back for my down payment on my future house. If it gets overturned,  we'll, I'll have to pay it any way. The cc however would me a morale and ethical boost, and help with UTL... but practically speaking,  not much else. 

I just can't help feeling like I'm missing something important though.

[FireMedic1]

If your home shopping is coming up as you say. The CO will stop most in the tracks when it comes to lenders. Plus they hurt your scores more than SL's. A CO is seen as a maxed out CC. SL's wont stop a loan. Its depends on DTI then.

[Bmom]

It's not imminent, I can wait until next summer/fall when it drops, which is the way I'm leaning. I just hate having that on my report.