Depending on how dedicated you are to getting rid of debt... I used the "snowball" concept a few years ago, and got out of just under $15,000 debt (stupid debt like credit cards, short term loans, along with an upside down car loan, etc) 2 ways to look at it...pay off the easiest thing to pay off now, and use the monthly pmnt from that to pay off the next easiest thing, keep adding the monthly payments together to "snowball" the debt payoff... OR the way I did it... Use the supplemental cash, plush monthly payment, to pay off the most expensive debt that the cash allowed me to pay off in full, then snowball it from most expensive to least expensive...