<prompt> Human: Ok here is my situation.9.2k on Discover 27.4 minimum 198.001.5k on Slate 0 8 more months 25.004.75 on Car 2.9 220.25So I have cut my budget significantly to clear up some room to make higher payments. I also have a 401k with 22k in it as a LAST DAMN RESORT, so Im not worried about being in turmoil. I have also frozen my cards to prevent purchases on them. At this point I get a 800-1000 bonus every quarter, do I need to apply that to my car payment no early payment penalty so that I can clear up that 250 I usually pay on it? Or should I follow simple avalanche?  <response>: Car is the last thing you want to pay off. First you pay off the discover credit card, by than you will be accruing interest on the slate card which you will want to tackle that next. Third will be your car.How much every month can you throw to debt? Come up with a realistic plan and stick to it, do you think you can be debt free in 18 months? 15.5k in debt, come up with a 18 month plan of eliminating it all. 