How to make small easy payments

Hello, I am Interested in finding out the easiest way to start making payments on my debt. I am unemployed currently but I was to start somewhere even if it is a very small amount each month. Where do I start? Thank you, Melissa Miley

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The two most common pieces of advice are to either,

1. Make the payments to the highest interest debt first, or

2. Make the payments to the smallest debt first (so you can get a feeling of satisfaction by paying off an account).

Some lenders may take a partial lump sum to satisfy a debt. This will leave a mark on your credit but it will reduce your debt and close an account. If you can put together enough money to make a lump sum payment of half or more on one of your debts, it would not hurt to call them and ask to see if they will take a lump sum to close the account.