<prompt> Human: My father has accumulated debt on his credit cards from mostly grocery shopping while I was in college. He is self-employed, and works on commission. His business hasnt been doing so well the past 3-4 years as the money he makes from commission is low and infrequent. I started working last year, and got myself a raise at years-end to 99,000. My monthly salary after taxes comes to 4,961.46. However, I have my own own loans to pay and I also pay for rent, gas, etc.Necessities: Rent: 1,360Electric: 74.50 as per last month, not always this highGas: 30.00Internet: 107.42Phone: 89.90Student Loan: 28,559.15, Ive been paying the min. payment of 339.00Student Loan 2: 1,500 - This used to be around 7,000, but Ive brought it down to 1,500 as I have a hold in my school records until this is paid off. I was paying in installments of 100, but recently paid 3,300. I plan on finishing this soon, so that transcripts arent with held if Im looking for another job or plan on pursuing grad. school.Groceries: 400.00After all this is paid, with the exception of student loan 2 not sure how much I should allocate here, Im left with about 2,400. The rest I plan on spending it on my dads credit debt, student loan 2, allowances to my parents, socializing, and whatnot.My fathers credit debt:Credit card: Total, Min. payment, interest in or Credit 1: 580.99, 17.00, 20.20 or 19.75Credit 2: 2,927.90, 74.00, 18.90 or 45.44Credit 3: 2,168.36, 64.00, 23.90 or 42.93Credit 4: 745.94, 25.00, 13.90Credit 5: 1,492.06, 52.00, 39.03Credit 6: 2,033.54, 60.00, 40.39Credit 7: 1,286.70, 68.00Credit 8: 2,242.00, 50.00, 29.99Credit 9: 17.00Credit 10: 21.77Total credit debt 11,274.26Weve been paying the minimum payments for the above cards. It adds up to 448.77 per month.What is the most effective way of paying this off? Which cards do I need to focus on?I do plan on putting a good chunk of my tax returns on this debt, so Im not sure how aggressive I should be about it either. I guess that will depend on how much I get back from fedstate.Any advice is appreciated, and thanks to all in advance.  <response>: With just this information, focus on making the minimum payment on all the cards and once the minimum is met, focus on paying off the highest interest debt first and working your way down. This should minimize the amount of interest that you pay and make it easier to pay down the debt faster.Id encourage you to talk with your father about getting rid of some or all of these cards though or at least locking them away. Because the interest rate is so high, if he keeps using the cards then the debt will grow faster than you can ever pay it off. Im not a huge Dave Ramsey fan but that might be a good thing for him to look into if he needs more help. 