You’ll likely get several answers to this. However, when we were in that step we learned the game is about paying as much to the principle as possible. Consolation is a bit of a debt transfer. Same debt, different debtor. So strategizing hitting that principle (wherever it is) so as to reduce the interest hit helped us. At that time, we played the balance xfer game with their 0% interest offer. then pounced on tackling direct principle payments in that window. In addition to no more debt changes, this did make a significant dent in the overall debt balance(s). Along with the smallest to largest order.