Frankly, I think your smartest move is to completely pay off that government loan. It will save you a fortune in future interest. You are SO SMART to have saved that money to do it!
After that, tackle your private loan. The rate is lower, thank goodness. If you could save enough to bring down the student loan in 3 years, set yourself of paying off the private loan by 2027. What a great relief that will be!! Congratulations. This is the nicest post I’ve had to answer in weeks!!!