Private College Student Loan

According to Dave Ramsey, how should I list my debt?

I know it is paid from lowest debt to highest debt, but I have a question about that. My husband and I have mainly student loan debt. We have 2 different loan companies: Chase and National Education. Each loan company has 2-3 seperate loans each (for the different years/semesters of college). Do we consider all of my National Education (2) loans as one loan, and all of his National Ed loans (3) as one? OR do we consider it 5 different debts and list them each individually? When we have our payments autodrafted - it comes out as 2 payments - one for him, one for me. But on our credit report - they are all listed individually. Thanks for the advice!

Public Comments

1. If it makes sense to target your snowball payments toward individual loans, then list them separately. Otherwise, go ahead and treat them as one loan each since you are writing one check per lender.
2. even though my bank generate a book spread sheet for me i also do one for myself,,, and its a student loan, so i have it under my loans,,,as one whole amount,, now if the interest are different then no... but the best route to do it if you can, is get out a loan to pay all off and just repay that loan that you did,,, a joint loan will be great,,, but do not do it if the interest rate is going to be high compared to your student loan
3. Do you have the option to dictate where those extra payments are applied or do the loan companies just pay it toward whichever loan? Meaning, if you paid double your student loan payment next month, would you get to choose which of the 2 National Education loans the extra money goes toward? If not, I would consider it 2 loans instead of 5.