Personal Finance and Investing

I think a better strategy is to pay down the debt that is costing her the most in interest each month. That way she is not accumulating more $$ going out for (as my grandfather put it) "buying a dead horse." It could be a lower-interest-rate card that has a higher balance because it's used more, due to the lower rate. But it would still be costing more in actual dollars. She will save money in the long run doing this.