[masraum]

Pay off the two 5k cards and then put as much as possible each month towards paying off the 10k card. Seeing only 1 bill is usually more of a morale boost than seeing multiple. That morale boost can help towards continuing to pay things off. After he pays off the 10k regardless of which cards, he should continue to pay 550 a month on whatever's left, not pay just the minimum.

If possible, after the payoff, make a balance transfer for a lower rate. That can be beneficial. With most credit cards, the monthly finance charge is close to the minimum payment, so you'll end up paying forever. A couple of years ago, my wife got an offer for a 0% balance transfer FOREVER. We are still paying regularly on that card and paying no interest on it so every payment is all principal. That's almost the only card left, and should be done within a year.