Pay more than the required payment (make extra payments in the manner your lenders prescribe so you don’t lose out because of computer errors, etc.) focus on your highest rate debt first.
Bi-weekly payments are an excellent means to pay extra principal almost painlessly if your paydays are weekly or bi-weekly, and if there are no fees involved, and if you deal with a reputable money handler. A person who pays of the required monthly payment bi-weekly makes the equivalent of 13.051 payments in an average year. The person who does so, pays the loan off early, and pays significantly less interest especially on a mortgage loan (a person who pays a payment bi-weekly can reduce a 30 year mortgage by more than 7 years, and save many thousands of dollars in interest). If you wish to match the bi-weekly advantage, but still make monthly payments, multiply your required monthly payment by 13.05 and divide by 12. Pay that amount each month.
Highest rate debt first. If you have several debts, pay as much as you can on you highest rate debt and the minimum required payments on your other debts. As you pay off one debt, add the amount you were paying toward it to...
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