Yes. You should first pay off your highest interest loans or credit obligations. Credit cards are usually a high-interest rate credit obligation. So you must pay as much of your credit card balance, plus the interest on the balance, each month until the balance reaches zero. If you plan it out, and pay a certain amount each month, without taking on any new debt, you will see a light at the end of the tunnel. Pay a consistent amount each month, as much as you can afford. If you feel you can pay off more, because of a wage hike or pay increase at work, use that extra cash to reduce your debt.