[masraum]

Do you have a couple of debts of varying amounts? If so, pay the minimum on the largest debts and then pay your max on the smallest.

ie Lets say you've got a cc at $1000, another at 5000, and a car at 12000.

minimum payment on the 1000 is $20, on 5000 is $100, and on the car is $300.

You've got $600/month that you can use to pay off debt.

Pay $200 on the 1000 credit card. then pay the minimums on the other 2. In 6 months (because of interest) you'll have that card paid off. Then, put $300 towards the 5000 credit card. You'll have that paid off in a year and a half. THen put the whole 600 towards the car.

Don't worry about the interest rates. Worry about getting rid of the smallest debt first. You'll see the results of your work and will be inspired to keep going.