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Pay minimum payments on all debts, then put extra money toward the highest interest rate debt. Once paid off, apply that payment to the next highest rate. This method minimizes total interest paid and is mathematically optimal.

Pay minimum payments on all debts, then put extra money toward the smallest balance regardless of interest rate. Quick wins build motivation. While you may pay more total interest, the psychological benefits help many people succeed.

Build a small emergency fund first ($500-$1,000), then focus on high-interest debt. Without emergency savings, unexpected expenses go back on credit cards. Once debt-free, build a full 3-6 month emergency fund.

Pay off high-interest debt (above 6-8%) before investing beyond employer 401k match. Credit card debt at 20% is a guaranteed negative return - paying it off is like earning 20%. For low-rate debt, investing may make more sense.

Aim to pay more than minimums - at least double if possible. Minimum payments keep you in debt for decades. Use our calculator to see how extra payments dramatically reduce payoff time and interest costs.