Step 1: List your debts from smallest to largest regardless of interest rate.
Step 2: Make minimum payments on all your debts except the smallest.
Step 3: Pay as much as possible on your smallest debt.
Step 4: Repeat until each debt is paid in full
Smallest to largest balance frees up cash flow faster, making it more likely the person won't go into additional debt (and hopefully won't get discouraged and quit the program all together).
For anyone wanting to explore, here's a handy calculator: https://www.magnifymoney.com/calculator/snowball-avalanche-c...
So the government allowing usurious interest rates is a ploy to incentivize working for employers, similarly to how employer-provided insurance works.
So one of the steps to liberate us from corporate work is to limit interest rates along with offering public healthcare.
Not saying this is good or bad, just something to keep in mind while viewing the issues from alternate perspectives.
Consider either the snowball or avalanche method depending on your financial and psychological situation.