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

Cheryl is married, she and her spouse earn a total income of $70,000 per year. Their take home pay is $4500 per month. Their debts are below: Mortgage, $900 per month ($150,000 at 4%) Car loan 1, $250 per month ($6,000 at 3%) Car loan 2, $180 per month ($2,000 at 2.5%) Credit card, $50 per month ($4,000 at 14.5%) One of their cars (car loan 2) is starting to sputter a bit, they aren't sure how much longer it will last. They are also saving money to start their family and they would like to have $1000 more saved in the next 9 months. After paying other expenses, they have $300 extra per month to put towards debt and savings. What should Cheryl do to lower debt