If you're feeling overwhelmed by paying off your debt, try this.
Dave Ramsey has a book called "
Total Money Makeover"
He proposes the
Debt Snowball method of paying off debt.
The method
Pay off your lowest balances off first. Ignore interest rates. Still pay the minimum on all of your debt but pump any pennies you can pinch into the lowest balance to eradicate it the fastest.
This doesn't make sense from the nickel and dime view but it's psychologically better.
Why?
Because psychologically, 7 outstanding debts "feels" more overwhelming than 2 outstanding debts. Even if they're at the same total balance.
He's trying to enforce behavior modification vs. math.