Imo, you should:

1. Savings account immediately - every paycheck and keep it going after you payback your dad. Calculate all of your monthly expenses and put a specific percentage into your savings account each month. I'd honestly suggest two savings accounts atm, one for paying him back and the other for a legit savings/emergency fund or whatever, but if it's too complicated, keep the one

2. Go for the car payment first, entirely

3. After that, your personal loan with higher interest rates

I'll be real, I don't know shit about refinancing loans as I've still got things to learn -- but. You're 25, you make 64k a year, there's a lot to work with here with this information alone. When making your monthly (or biweekly, depending on how often you get paid) transfers into savings, make a list of all of your bills and how much money you'll have left over. How much do you want to use for disposable income/yourself? What left of that do you want to put into your personal loan payment?

Your loans won't decrease by much if you're only doing the very minimum payments -- hence what you're seeing with your private loan. I'd recommend waiting on that one until you have some extra money and less loans to worry about.