It may seem like an overwhelming task, so do it by focusing on one piece at a time. Start by paying off your credit card with the smallest balance. You'll feel empowered once you've cleaned that slate. Then move to the card with the highest interest rate, and then onto consumer loans with variable rates. Where will you get the money? If you get a raise, or pay off a car or student loan or become free from some other regular expense don't spend the difference dedicate it to debt reduction.