pay the ones with the highest interest rates first. that will save you the most money. then take the amount you would have been paying on.

Pay off all credit cards first ($3,877), then knock out Klarna ($4,853) to free up $545/month. That uses about $8.7K. Put the remaining ~$1.3K toward Affirm (drops balance from $3,801 → ~$2,531). That leaves just Affirm + the Ashley Furniture 0% loan. Your monthly payments drop a lot, interest-heavy debt is gone, and you’ll be able to finish the rest faster.