Managing cash flow is imperative to your financial health. Look at all your recurring obligations to see that you can satisfy them. Retain a safety net as an emergency fund. Then look at ways to chip away at the debt. If your income is consistent, then beginning with the highest interest rate loan makes the most sense. If you have the cash to pay off smaller loans, but cash flow is inconsistent, then it may make more sense for you to start there, knowing that you'll more easily afford your regular monthly payments. Be sure to account for tax advantaged loans, such as your home mortgage, which should probably be the last debt you go after.