It makes since to me to pay the one's with the highest interest first, but at the same time, if that one has a HUGE balance, while you're trying to pay it off, one could become frustrated. I've tried it both ways and paying the one with the smallest balance has worked best for me. As I paid them off, I had these small accomplishments along the way and that kept me motivated. I set up an Excel spreadsheet to track the interest I was paying toward the balances and tried different scenerios as far as paying them off and the savings in interest wasn't that large (maybe cause my balances are relatively low?) Anyhow, your opinions are appreciated.