Even people who can "do basic math" are only human and multiple sources of debt can be emotionally and psychologically debilitating. I hate Dave Ramsey and others of the "Prosperity Gospel" ilk with a white hot passion. BUT ... I'm totally down with his debt snowball idea. If someone drowning in debt can pay off the smallest debt, no matter how high or low the interest rate, then the knowledge of having ONE LESS DEBT is so satisfying that they keep on going. They add the payment from the first debt to the second and so on until all debt is gone.
I don't get a "drowning in debt" vibe from the OP and I don't know if she has smaller debt balances, so in her case she made the right decision to pay off the debt with the highest interest rate. It also appears that she will add the amount that she was paying to DVC into her student loans to pay them off more quickly. WTG
@Arguetafamily! Enjoy your DVC vacations.