The debt snowball method is the best way to get out of debt. Here’s how it works:
List all your non-mortgage debts from smallest to largest—don’t worry about interest rates—and pay minimum payments on everything but the smallest. Attack that one with everything you’ve got, using any extra money you have left after you’ve covered necessities. Once it’s paid off, take that minimum payment and add it to the next smallest debt while making minimum payments on the rest.
Just like a snowball gains momentum as it rolls down a hill, you’re going to gain tons of momentum and motivation as you move through your debt snowball toward debt freedom.