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You hit the 2 schools of thought:

School 1: The By-The-Numbers-School

You take the highest interest rate and work your way down to retiring the debts. You avoid refinancing because it can re-extend the terms of the balance. However, if the term is reasonable, refinancing isn't totally off the table.

School 2: The Psychological School

You take the smallest balance, and retire that first. You keep making the same monthly payment and work your way up to the next larger balance and so on and so until the loans are satisfied.

Both schools of thought have their merit. You just decide which is best for you.

At 50K of c/c debt, my inkling would be school 2 - someone in your family has a consumption problem, especially if you make decent money like you said.

Good luck.