Well, i've been following c j and I do understand about fallout VB sometimes it goes over my head.So I have a RV payment and credit card debt i have two separate line of credits of $20000 each partially in use. I have a car note.The next payment is due next august of 2028 a current interest at seven percent i'm not sure if I should pay down on the r v payment or pay consolidated credit cards put 'em all together help