Getting out of debt is part math, part psychology. Two well-known methods work — the best one is the one you'll stick with. Educational only.
List every debt (balance, minimum, interest rate), keep making all minimums, and avoid adding new debt. A small starter emergency fund stops the next surprise from putting you deeper in.
Pay minimums on everything, then throw every extra dollar at your smallest balance first. When it's gone, roll that payment into the next smallest. It's not the cheapest, but the quick wins build powerful momentum — and momentum is why people finish.
Pay minimums, then attack the highest interest rate first. This saves the most money mathematically. It's optimal on paper but the first win can be slow, which trips some people up.
Avalanche if you're motivated by saving the most; snowball if you need visible wins to stay on track. Both work — the psychology of sticking with it usually matters more than the small interest difference.
A budget that frees up cash accelerates either method. Every extra dollar toward the target debt shortens the timeline.