List your debts from the smallest to the largest payoff balance. Disregard interest rates just stick to listing your debts based on the payoff balance. Make minimum payments on all debt, except the smallest. Attack the smallest with everything you have! After you pay off the smallest debt, take the money you were paying on that debt and start paying off the next smallest (payoff balance) debt. Attack it with all you have! Repeat this method until you cross off the very last debt! Good advice I think!