Follow the four step plan to figure out which debt to pay off first:
Step 1: Make a budget to figure out how much money you have to put towards debt payments.
Step 2: Make sure you always pay off the minimum amounts on all your debts.
Step 3: Make two lists of your debts; one in order of debt amounts and another in order of interest.
Step 4: Choose between the avalanche method, the snowball method, or a debt consolidation program (such as the OPD program).