<prompt> Human: Hi PF, Im a 22 year old novice when it comes to finance and I owe about 4,000 in CC debt.One of my CC is 250 and I dont pay interest on it yet.Another is 1466.92 with a 20.05 interest rate. The last, 2,544.27 with a 19.24 interest rate.I can pay 300-1000 each month towards my debt, depending on how much work I get.What would be the wisest option of tackling my debt?Thank you in advance!  <response>: This is a handy calculator that will allow you to calculate both methods and make the decision that is best for you.Personally I would just pay off the 250 and then immediately begin work on the 1466.92. Your rates are fairly similar so savings is going to be pretty negligible, but run the numbers and do what you think is best. 