Like most families, Jackson and Isla have both credit and debt. The specific breakdown is as follows:

Credit scores: Jackson$$s credit score is $710$ while Isla$$s is only $675.$

Credit card debt: Jackson owes $$6,900$ on his credit card. He pays $21\mathrm{.}99\%$ APR after paying the minimum payment of $3\%$ each month.

Student loan debt: Isla owes $$10,000$ in student loan debt.

Vehicles: Jackson and Isla have two vehicles. One is a mid$-$size SUV with a $$425/$month payment and a remaining balance of $$14,000,$ and the other is a nice car that they lease for $$720/$month$.$

Home: Jackson and Isla purchased their home eight years ago. They have $22$ years left on a $30-$year $5/1$ adjustable$-$rate mortgage with a balance of $$133,000.$ The initial interest rate of $3\mathrm{.}2\%$ will increase to $4\mathrm{.}75\%$ next year.

Looking at their list of debts, which two items do you recommend they address first and what do you suggest they try to do about those items. What impact might your suggested changes have on their credit scores?