When it comes to handling credit card debt, student loans, and saving for retirement, each of these financial concerns can seem overwhelming. And yet, you can tackle all three – and at the same time, too. How? Let’s take a look. Erasing Debt Look at repaying your debts by how much this process will work the best to help shape your retirement strategies. Its most essential to pay down your high-interest debt – which encompasses both credit card debt and private student loans.