<prompt> Human: A little back story. Ive got about 15K in CC Debt broken into two credit cards. Both minimum payments are around 200 a month. My question is apart from getting a loan what is the best way to pay these off? Should I send the minimum every month while saving up a big chunk to send. Or consistently send 100-200 per month over the minimum?  <response>: Pay minimums to avoid late fees, and then pay as much as you can immediately to the account with the highest interest rate. 