List everything
Write each debt's balance, interest rate and minimum payment. Seeing the full list in one place is often the hardest and most useful step.
Snowball or avalanche
Snowball pays the smallest balance first for quick wins. Avalanche pays the highest interest rate first and costs the least interest. Both pay every minimum on time.
Roll payments forward
When a debt is gone, add its whole payment to the next one. Your total payment stays the same but each debt disappears faster.
Do this today
List your debts and run them through the free debt payoff planner to see your debt-free date.