Hmm, I'd focus on paying down the bank draft and card, since they will continue to charge you interest, while the personal loans won't, right (I'm uming personal loan = money from friends or family)? Also, you might be able to negotiate a smaller amount and/or lower interest to pay to the bank and card - give them a call, its worth a try. The personal loans I might try to pay off via labor if my friends were up for it, e.g. offering to clean homes, run errands, etc. - it may seem awkward at first, but your friends will likely appreciate the offer.
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