Create a spreadsheet - Excel, Google Drive, pick your poison. Plug in all of your debt. List it by source, interest amount, if applicable and edit each total monthly. It's depressing at first, looking at all of the debt that you've incurred for whatever reason. But it's not only fulfilling when you start paying it off, piece by piece, but also it's good to have all of your sources of debt in front of you with a succinct way of keeping track of it.