nuisance and Greebo: Thanks for both of your posts. I've decided to pay off the $1700 while the interest is at 4%, and then return to my smallest-to-largest plan. The fact that I can knock the $1700 debt out in 3 months is encouraging, as it's my biggest credit card debt. The fact that I'll be able to apply the $540-ish to the smaller debts once it's gone makes me want to pay it off even faster!

And yes, I know. I should have never taken the debt on. I have no excuses, except a case of the wants and not really knowing (or caring, frankly), how credit really worked. I'm just glad I'm getting ahold of it now, while it's still relatively manageable!