Payment advice needed! :) We have $1900 that we can put towards debt today, but I'm unsure what would be the best way to use it?Payment advice needed! :) We have $1900 that we can put towards debt today, but I'm unsure what would be the best way to use it? The top three choices are: 1: Personal loan that has a $145 monthly payment with a 7. 95% interest rate. If we put the money towards that we can have it paid off with the next paycheck. 2: AMEX that has a $1980 balance with $35 min pay. and a 18. 49% APR. Pulling the extra $80 from my cushion will allow us to totally pay it off. 3: Amazon CC with a $1590 balance, $90 min pay., and a 27. 49% APR. Again, totally paid off with some extra to throw at another debt. In your mind, what makes the most sense?