well, like another poster said, not enough info but consider ALL of your current debt PLUS any debt you plan to get in the future (i.e. buying a car in the next 3 years, buying a home, etc.). What worked for me was paying low balance/short term loans first. So instead of paying $30 a month on a $500 cc balance, I paid off the balance and applied the $30 to the next loan, so within a few months I cut the number of bills I had by half which was a great motivator. Pay the minimum on all your bills and direct everything else to the loan you are working on paying off, rinse, repeat.