<prompt> Human: I racked up a ton of debt over the past 5-6 years and the time has finally come to take it seriously. I have a new pretty strict budget worked out. This includes my wife going back to work. We are also switching to a only debit card usage system. I am not closing any credit cards as I will need the flexibility to move credit around for 0 interest over the years. I have 360k credit limits on all my accounts, and currently using 120k of that so my overall utilization is ok and will get better as time goes on. My scores were 770 and went down to about 710 over past 6 months due to usage.New income will be 10.5k per month net. Base expenses are 6.5k this is with min cc payments. I also get about a 15k bonus after taxes every year.Debt summary breakdown40k 400 a month payment Bofa 0 until July 201835k 350 a month payment CapOne 0 until Jan 201825k 625 a month payment PenFed CU 7.9915k 375 a month payment Alliant CU 3.99 until 2018Total 115k in CC35k 879 a month payment Lending Club 8.99 Installment loan 48 months remaining25k 500 a month payment IRS payment agreementI have about 20k in cash across multiple accounts right now. I also have access to about another 10k in cash in a play around stock account. I can put an extra 2.25k a month towards the cc debt, this would put me at 4k a month to the credit cards.I have a 36 month planYear 1 4k a month 48k paid balance 67kYear 2 4k a month 48k paid balance 19kYear 3 4k a month 19k paid balance 0kMy main questions are about the installment loans. I am debating using the cash I have to pay off the Lending club as its charging me about 300 interest a month and it would free up a large chunk of money a month. Then in 6-12 months down the road I would either pay the IRS debt with a bonus or use a balance transfer 0 offer to get it into better terms or a combination of both.What do you think?  <response>: I cannot fathom having 6 figures of consumerCC debt, but kudos to you for taking it seriously and deciding to face it head on.As for your question, if you have the cash to pay off the 8.99 loan without cutting into any E-fund, then I would suggest paying that off and increasing monthly cash flow to pay of the lower and 0 interest debts. Good luck. 