What to pay off first?

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i have about 24 payments left on my car (2010 Audi A6). Payments are roughly $553.31

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You're going to basically have a 10-year old car when you're finally finished paying this thing off.

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should i pay the minimum on my car and relocate some of the funds towards credit debt

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Give us some information. What is your credit card debt looking like? What are the balances and interest rates?

You said one has "a high interest rate and charge fees." What do you mean by "charge fees"??

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student loans

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Balance? Interest rates?

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fixing up my old car

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Old as in classic? What are you 'fixing up'? Or are you referring to the Audi?

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1) sell audi and get something newer in the $300-$400/mo ra

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What he said. If you don’t do this, we can’t help you

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Interest rate is about $80 and charge fee is about $46

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If you don't know what an interest rate is, I suggest you start reading/learning about money YESTERDAY.

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i have roughly $9k left to pay on the Audi. I got it used maybe 5 years ago

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You bought a two year old car in 2012 that you won't finish paying off until 2019. Let that sink in for a minute. I am not trying to be a dick, but you're compounding your problems.

KBB says an Audi A6 4.2 Quattro (the highest trim level) with 75,000 miles is worth around $13,000 in "Good" condition if you are able to sell to a Private Party--which would be best case scenario for all of the above.

You should try to unload this thing and buy a $7,000 car with cash. Use the rest of the proceeds towards credit card debt. That would free up over $500/month to put toward the remaining credit card debt.

Not sure where you're located, but HERE is a 2013 Nissan Versa in Louisiana with less than 53,000 miles for $6,500. Search around, and you can find a relatively new compact car with low mileage that will last you a long time.

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Have roughly $4,934 to pay off on [Discover] card. Two other cards are chase cards. One being a slate ($4,243 left with a $46 interest charge) and a Southwest ($3,456 left with roughly a $45 interest charge)

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So you have around $12,600 in credit card balances at over 15% interest. Can you qualify for a credit card with 0% interest rate on balance transfers? Do some research.

1. Sell the car
2. Buy cheaper car cash
3. Put left-over proceeds toward credit cards
4. Transfer remaining credit card balances to 0% card
5. Use what was your old car note PLUS the money you've been paying toward credit cards to aggressively pay off credit card balance.
6. LEARN from this situation. Live within your means.

What is your monthly income (after tax)? How much is rent? You single? Kids? Help us out with some info.

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Sold the old car and bought the audi because it fell in my budget around that time. 

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I'll give you the benefit of the doubt that it's actually 4 years old and you have 2 years of payments left. Which means you had to finance a 3 year old car for 72 months. You only think it was in your budget because you didn't consider the fact that you're now paying $550 a month for a car that's 7 years old. It wasn't in your budget.

Well you're somewhat being a dick but basically the $80 is the interest charged monthly. I haven't looked at the percentage rate.

As far as the car, I have had thoughts on selling it for another. Yet there is also the idea of paying it off and living without a car note. Of course that would be two years give or take down the line.

I've read about the balance transfer. And i understand that it would take discipline in making sure when to transfer to another card after the initial 12 or so months are up. I'm still looking into this option.

Roughly i pull in about $3800 monthly after taxes. Rent is $1086 (pretty much like that around here in fort worth for somewhere decent). No kids. Contributing 13% into 401k (which i believe is the max and no company matching).

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I've got no clue with the monthly $46 charge fee is for Discover, but get rid of that.

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Its a charge fee on the card. I've had that discover card since i was in college. 7 years removed i still have it. When you're young and dumb you make young and dumb decisions. Mostly used the card for fixing up my old car (1999 grand prix) until i sold it.

3. I'm looking into working another job as well.

To add to what the others said, I would definitely try to get some 0% interest cards ASAP. I got into credit card debt due to family situation several years ago, and I played the 0% interest game for ~3 years before I was able to pay it all off.

Also agree that you really need to cut that car note. This will be the hardest part because you'll be going from a luxury car (albeit a few years older) to a car with less prestige. You have to have the mindset that you cannot afford that level of luxury right now. To be honest, with your finances, you cannot afford an Audi and you shouldn't think you can. Agree with the others on either a newer compact car or a ~4-5 year old midsize Camry or Accord. They are not as cool, but they will last you well beyond your payments. When all your other debts are paid off, maybe then you could afford to be an Audi guy.

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Well you're somewhat being a dick

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Sorry you feel that way. Your financial incompetence requires a WAKE UP call. You need to figure out where your money is going:

You don't know what an interest rate is.
You don't know what 401K max is (13% is not a maximum. You can contribute $18,000/year to 401K)
You're paying $550/month on a 7 year old car.

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As far as the car, I have had thoughts on selling it for another. Yet there is also the idea of paying it off and living without a car note. Of course that would be two years give or take down the line.

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i pull in about $3800 monthly after taxes.
No kids.

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Well, that's good news. Your expenses should be relatively low.

Start putting pen to paper on a monthly budget. You'll quickly see that my plan I outlined above is the quickest way to financial stability.

Car note is $550
Rent is $1086
Student Loans?
Credit Card Payments?
Utilities?
Groceries?
Etc., etc., etc.

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Well you're somewhat being a dick but basically the $80 is the interest charged monthly. I haven't looked at the percentage rate.

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He's not. You don't have a firm grasp on the situation. Which is part of the reason you're in this situation.

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As far as the car, I have had thoughts on selling it for another. Yet there is also the idea of paying it off and living without a car note. Of course that would be two years give or take down the line.

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You aren't listening. Sell the car. Buy a $3,000 car with cash, or at worst finance at $10-13k car for 3 or 4 years to lower your payments.

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Roughly i pull in about $3800 monthly after taxes. Rent is $1086 (pretty much like that around here in fort worth for somewhere decent). No kids. Contributing 13% into 401k (which i believe is the max and no company matching).

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Drop the 401k for the time being. Pay off your cc debt at a $2000/mo clip.

$3800 - $1086 (rent) - $2000 (debt service) = $714/mo. You should be able to live on $714/mo for food, gas, and misc expenses.

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you cannot afford an Audi and you shouldn't think you can. Agree with the others on either a newer compact car or a ~4-5 year old midsize Camry or Accord. They are not as cool, but they will last you well beyond your payments. When all your other debts are paid off, maybe then you could afford to be an Audi guy.

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This shite will never cease to amaze me. People buying these 'luxury' cars and carrying a high monthly note when they have much more pressing debts to pay.

I get how people get trapped with this shite though. They want to portray some sort of image. A compact car is not 'cool.' I get the 'itch' every now and then. Driving a 10 year old compact car with 185,000 miles isn't fun. But I use the car to go back and forth to work. My wife and I make great money and we could afford to buy a newer car, but every time I think I want a new car, I think about the how the vehicle will quickly become a depreciating, falling apart, plastic-filled, high-mileage, worthless piece of shite that I drive to/from work--I already have one of those!

And I run numbers on what that car note could be if I invest it. Then I forget about buying an expensive car.