The plan I employ with my business clients to help them out of debt is to start with the most costly debts first (ie - the ones with the highest rates of interest and fees associated with them). Then focus on the next, and the next, based on the hierarchy of cost until there is only smart working debt in place or debt is eliminated entirely. (It’s not always possible or even ideal for growing businesses to be debt free but smart debt/working debt is an attainable goal).