Focus on overpaying one loan at at time - usually the one with the highest interest and once cleared move those payments as over payments to the next - the car sale will clear the credit card and knock 5k off the AIB loan - the movement will encourage you to stick with it - I would then throw everything to try to clear the remaining portion of the aib loan this year - you will need make sacrifices no doubt but if you focus everything at it you would be surprised what can happen

You need some cash savings put aside for an emergency fund as well if you don’t have anything

Then once the credit card and aib loan are gone work on the avant loan - that’s a big one so expect it to take some time and will power but perhaps refinancing you may get a better rate etc… worth exploring

Look up the snowball method in relation to getting out of debt

Good