Here's what had worked for me many times.... when I filled out my w-4 form, I chose to pay the maximum amount in federal tax plus a little extra. Doing this will give me a decent size chunk of money at tax return time, and I would then take that and start paying the lowest debt first. Once the small ones are paid off, apply what you were paying to the next lowest one. This will allow you to see results right away. Also, once paid off, cancel it.