I've been doing some work getting my debt paid off and what has been working for me is to make minimum payments on all cards and big payments on just one card at a time, then once that is paid down, roll those payments into the next card and so on. That is the most popular thing to do and has made me better at watching my spending. However since you are dealing with loans, I'm not sure how that info can help you.

I guess I'm just trying to say good luck and hang in there.