Financial Roadmap: Credit Card Exit Strategy 1. Recommended Path: Debt Avalanche. Your 24% interest card is a "financial fire." By targeting it first, you save over $1,200 in interest alone this year. 2. Freedom Date: Total debt-free in 24 months. Credit cards gone in 10 months. 3. Silent Leaks Audit: Look at recurring digital subscriptions and "convenience spending" (food delivery). Redirecting just $50 more to the 24% card shaves 2 months off your timeline. 4. Action Checklist: > * [ ] Pay minimums on Student Loan and 19% CC. [ ] Target all remaining $500/month to the 24% CC. [ ] Call banks to request an interest rate reduction.