I'm not a financial advisor, I'm unable to give advise in some areas. I will provide my best creative strategies on how to help you tackle debt.

I didn't make much money, less than $30,000 a year.  I was collecting social security for my youngest son, but that money was going to run out as he was going to be turning 18.  The hot water heater had gone out.  I already had some credit card debt that I was trying to pay off.  I even just used my tax return to pay off one of my credit cards that I was going to need to use to pay for the new hot water heater.  I have a mortgage and the payments were a bit high.  I was paying a PMI, the interest was about 6%, and I also had a car payment.  My DTI was too high to refinance my mortgage.  The amount I had left to pay off my car was about the same as what I had left to pay off a credit card.  I talked to my financial advisor about this.  He advised me to pay off all my credit cards first, use my next tax return to get rid of my debt.  While this may sound like great advise, it wasn't going to work for me. 

 I would sit down for the next couple of months going over all my debt.  Knowing how much I owed on all my credit cards, interest rates, minimum payments, including the car, I finally concluded that I needed to pay off the car.  My car payment was my next biggest monthly debt next to my mortgage payment.  If I paid off my car, that would free up an extra $250-$300 a month for other debt to pay down.  I could also now refinance my mortgage, as I was in fear of losing my home.  My DTI was going to be low enough, and I was going to have even more money freed up to pay even more debt off.  After refinancing my mortgage, I was locked into a 3% interest rate, no PMI, and my payment was going to be affordable.  I now had about $500 extra each month to really snowball the rest of my credit card debt and get myself to financial freedom.