<prompt> Human: So, Im not very finance savy. At all. My parents were god awful with money so I grew up dirt poor, and Im realizing that Im heading down that same path faster than Id like.Heres the situation.College grad with about 100K in student loans in deferment, about 3500 in credit card debt, 3K in a smaller student loan not in deferment, a couple hundred in medical bills and the basics:Income: I work a crap job, so I net about 1800 a monthRent: 500Utilities: Vary, but combined are about 175-200Car Insurance: 300Phone: 35 Im cheap and I go prepaidInternet: 40Factoring in another 200 or so for food, gas and personal items and ignoring any hopes of a social life that should logically leave me with about 500 per month.I know my credit score is in absolute ruins, so Im at the point where Im trying to get my shit together, but my debt is so spread out its hard to know where to start. Ive been making minimum payments here and there, but I cant help but feel like Im not getting anywhere. Often times, I owe a balance and I just cant pay it in full, so Ill pay as much as I can. Example, this month I had a credit card bill for 130, but could only afford 80 of it.Is that the best way to go about it? Should I just try and focus on the bills I can pay in full and whittle down the debt that way example, pay off my medical debt in one sweep, but that would cause me to not pay on my credit cards, or keep kinda trudging along and paying what I can here and there?Yes, yes, I know I should be focusing on finding a better job. Trust me, thats pretty much all I do these days.  <response>: The absolute best way to pay down debt is to use the method you will follow. Some people need the little victories along the way so paying off the smallest loan is their best method. Some enjoy math and figuring out that they save .17 by paying X instead of Y keeps them on the right path.Yes the most efficient way is to pay off the debt with the highest interest rate first but the BEST method is the one that you will stick to. 