<prompt> Human: I have debt. What I consider to be a lot of it equals my yearly pay. Im in the last year of paying off a loan 17.94 APR I took two years ago to keep us afloat when my fiance lost his job. They take 390 a month automatically and I throw an extra 20-50 a month at it when I can. I basically have so many bills that after meetingexceeding minimums and house costs groceries,etc Ive got 40-80 a month left.I cant help but think that I could be doing SO much for my other debts if I had that extra 390. So I keep thinking I should try to pay this loan off as quick as possible.. quick is relative though because were talking finishing it by the end of the year instead of March 2018.But I also have 2 of many credit cards with higher APRs, one with an 8002800 balance at 23.15 and another with a 50008000 balance at 23.4.Im aware of the avalanche vs snowball method, but Im torn because I feel like I should be doing whatever will get me more money in hand sooner more money more extra payments. I can meet all of my minimums never made a late payment in 15 years of credit history. The minimums for those two cards total 175. So paying them down is going to take way longer than being aggressive with this loan and freeing up more cash.What would you do? Where should I be putting my extra pennies?I dont want to negotiate a smaller monthly payment for the loan because that just lengthens it and gives them more money off interest.Thanks.  <response>: If you need to free up cash flow then start with snowball. When you have enough extra money to make you more comfortable, switch over to avalanche. 