please provide a couple sentences for your explanation. Thank you!

Lucy is a library assistant earning $10/hour or $1,200 per month. Her debts are below Credit card 1: $25 per month ($1,000 at 13%) Credit card 2: $100 per month ($5,000 at 10%) Lucy has $100 extra per month after paying other expenses. She has a car registration bill of $150 coming up in three months. She would also like to build an emergency fund of $1,000 and pay down her credit cards. What should Lucy do to lower debt