Critique My Current Debt Repayment Strategy

You've been chipping away at your debt and you're not sure it's the right way. Describe your approach and list your debts, and this picks it apart: paying down low-rate debt while high-rate compounds, missing easy wins, spreading too thin. The blunt review that stops you wasting months on the wrong order.

Here is how I am currently handling my debts: {CURRENT_APPROACH} (describe your payment amounts, which debts you focus on, any transfers or consolidations already done, and how long you have been at it). My debts are: {DEBT_SNAPSHOT}. My monthly budget for debt repayment is {MONTHLY_BUDGET}. Critique my strategy rigorously. Identify any mistakes I am making, such as paying down low-rate debt while high-rate debt compounds, paying more than necessary on a 0% balance, or ignoring a debt close to damaging my credit. Rank your critiques by financial impact and suggest the single highest-leverage change I could make this month.