Here is the bottom-line, no matter how you pay off debt, guess what it gets paid.  Paralysis of the analysis is a real thing.  I meet many women in fear of fulfilling their financial freedom because they are afraid to act, which, of course, leads only to inaction. Whether you pay off your debt smallest to largest or the highest interest debt first, you are making progress.  There are many things in life which we do not do to our peak performance or utilize the most efficient method.  Let the stress go and start paying, whichever way makes you feel that you have gained progress do that. Lowering your debt load is like dropping off weight. You will feel lighter, more agile, and look financially fit when you step out.  Get your financial fitness on and pay that debt down.