To pay off debt, list every debt, keep paying the minimum on all of them, then throw every spare pound at one target debt. Pick the avalanche method (highest interest rate first) to save the most money, or the snowball method (smallest balance first) to stay motivated.
The avalanche method
Order debts by interest rate, highest first. Overpay the most expensive debt while paying minimums elsewhere. Mathematically this costs you the least in interest.
The snowball method
Order debts by balance, smallest first. Clearing a whole debt quickly gives a psychological win that keeps you going. It can cost slightly more in interest but has a higher finish rate.
Which should you choose?
If staying motivated is your challenge, snowball. If you're disciplined and want maximum savings, avalanche. The best method is the one you'll actually complete.
Avoid new debt while you repay
Pause new borrowing, keep a small emergency buffer so surprises don't push you back onto credit, and celebrate each cleared balance.