Try to pay off balances in full every month. See if you qualify for a lower interest credit card when full payments are not feasible.
These need to be paid off as soon as possible to avoid paying extra interest. Consider tapping into your savings to pay off loans with the highest interest.
Many different repayment options exist for government-backed student loans, and you should get the details from your loan servicers.
By combining all debts into one loan with a lower interest rate, you can retire debt more quickly and efficiently.
Using a debt management company, or by contacting your creditor and working out a settlement can also be a good strategy to pay off loans at a lower rate.