<prompt> Human: Im 19 living with my gf both making 20k annually. I have 500 left over a month that I can pay towards my cards I have a 500 Discover card maxed. An American Express 2,500 maxed and she has a citi bank 800 maxed. We have shredded our cards and I just want to know in which way should I distribute the money to the cards with 500 monthly?Edit: Thank you all for you responses. I will be paying off the ones with the smallest balances while sending minimum payments to all. By when march comes around I shouldnt have much left to pay and will pay off the remaining with our income taxes! Thank you once again.  <response>: First, pay off your cards before your gfs card. Encourage her to pay off hers as well, but only think about paying off hers with your money after yours are paid. Also, look into rolling over both your balances not your gfs to a new card that will give you 0 APR for a year. You are a perfect candidate for this. There will be an upfront fee, maybe 3 or 90. Im guessing you are paying about 50 in interest every month currently though. This could save you 150 or so, and even more if it takes more than 6 months to pay off if unexpected expenses come up. Just make sure to pay it off within the 0 timeframe. 