Hello, all! New to this community, but been reading for a while. Slowly shifting my habits to more mustachian ways. I've reached a point salary-wise where I'm able to make some good headway paying down my credit card debt, but I need advice on which debt I should be putting extra money toward! I have consolidated most of my credit card debt into a $17k unsecured fixed-rate 4-year personal loan from Discover (it was with Wells Fargo at 13% but Discover refinanced me into 7% last month). Monthly P&I payment is $415. The remainder of the debt is just under $7k and I transferred it all to my Discover credit card using one of their 0% offers. Minimum payment is $130, I'm currently paying $200 a month at least. The 0% rate is good through June 2016. Given the expenses I've been able to trim, I now have at least an extra $100-200 a month to throw at my debt, and am hoping for a raise of another about $200 a month at the end of summer. Which of these two debts would you advise I throw the money at? Thanks!