Full payoff first when possible
Killing a whole debt frees a minimum payment you can roll to the next target.
How to use extra cash on debt
Extra cash is leverage. Put it where it removes a payment or cuts the most expensive interest — then keep your regular budget intact.
Then smart partials
If cash is left, put it on the highest-APR remaining balance instead of spreading thin across everything.
Automate the habit
After the lump sum, add a small recurring extra payment so progress continues next month.
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