Absolutely, that strategy can be effective. By focusing on the 21k debt with the 10% APR, you're reducing the interest you'll owe in the long run. Since it's the higher interest rate, the cost of this debt overtime accumulates faster than the 5% APR on the 17k debt. By making extra payments towards the 21k, you minimize the amount that would otherwise balloon with interest. Meanwhile, just paying the minimum on the 17k keeps it in check without diverting your resources too thinly. This method is often referred to as the "avalanche method" and is a great way to save money on interest payments over time. By the way check this
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