It sounds like a little extra cash each month would be helpful and that getting some of these debts paid off will give them a little sense of accomplishment. This can be achieved by paying the smallest balance off first. Order the balances from smallest to largest. Pay only minimum payments on the larger balances and put all available money on the smallest balance. Continue doing this as they work their way up to the larger balances. As time goes on, they will see that their monthly debt payments will decrease and that their overall debt load is being reduced. This is the most effective way of getting through debt.
If the rates are similar, they can make minimum payments on all the loans, and put extra money into the loan with the lowest balance. This is called the snowball method. Once the smallest loan is paid off, they can put the extra money toward the next smallest loan, and so on.
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