Good for you on your progress!!! While I've read & heard bits & pieces about the new cc laws, I must admit, I knew nothing about where every $$ over min payment was credited toward your highest int. purchase on that card.
For instance, my bank visa is "attached" to my checking acct & I had mistakenly double paid my mortgage one month! Needless to say, my checking was overdrawn & the funds were removed from my cc. So now...each cc payment I make over the min due will, by law, go toward that"cash advance" as they call it?
Just making sure I'm reading this correctly.
Also....GOOD move to pay down the high int cards first. I recently moved $4500 from the above card to my 0% int card. I still have 4 mos left on that rate so I'm going to attack both cards with a vengence! Card #1 is 10%, "cash advance" is 24% & Card #2...after 0% promo is done it will sit at 11%.
My ultimate goal...pay these 2 down by the end of July 2010 & refi my mortgage!
Game plans work with the desire & discipline to stick to it. Good luck to all with your 2010 goals!! 
Starting Score: 07/2011 TU 732 EQ 717 EX 702
Starting Score 3-31-08: EQ 582 TU 577 EX 625
Like a previous poster said,
Just keep paying, just keep paying.
I owe almost three times what you owe in student loans. I've only been paying the minimum for two years but my goal this year is to pay the car loan off (which will hopefully be done before the year is up) then I'll snowball the funds into my loans.
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