Here are some tips for prioritizing which debts to pay off first:

• Pay minimums on all debts first. This avoids late fees and protects your credit.
• Pay off highest interest rate debts first. Credit cards and short-term loans tend to have very high interest rates, so focus on eliminating them.
• Consider balances. Paying off a smaller balance first gives a sense of accomplishment and frees up cash flow faster.
• Pay off secured debts next. Loans secured by collateral you could lose like cars or homes are more urgent.
• Look at long-term vs short-term debt. Get rid of high-interest revolving credit card balances before tackling student loans.
• Make extra payments to highest priority debts. Put any extra money, bonuses, tax refunds towards top priority debts first.
• Avoid prepayment penalties. Some lenders charge fees for paying loans off early, factor these in.
• Evaluate importance. Wiping out a maxed out card may help improve credit score faster than a medium-sized student loan.
• Consider psychological boosts. Alternate larger and smaller debts to create a sense of progress.
• Reassess regularly. As debts change, re-evaluate the priority order. Higher balances or interest rates may change priorities.

Eliminating high-interest, unsecured debts first improves cash flow and allows you to pay down lower priority debts more quickly. The optimal order depends on your specific situation.