[jIM_Ohio]

You have already documented that you can barely meet bills on present take home, so if the car payment is removed, you don't really have "extra" to throw at cc.

I think you came here to justify your decision (pay off car) and not get objective advice. Because of this you are not reading posts objectively (I did not advise to sell the car). I advised that if you lost your job and you needed to clean up the budget, you could sell the car and not owe as much.

Pay off 2 of the 3 cc's, then work on paying off the third card, then work on paying off the car as the 4th item.

Reasons
1) the interest rate on car is fixed, where as variable rate debt should have a higher payoff priority
2) the interest on the cc's is about to increase unless you get balance to zero
3) if you lose your job, you will want your revolving credit lines to be available, not taken up.
4) the spending which created the cc debt is the root cause of the problem- solve the root cause and most other problems eventually go away on their own- in this case by the time the cc's are all at zero balance (probably in 18-24 months) the car will be close to paid off as well. The reverse is not true (if you paid off car now, in 3 years you would still have the cc debt at current payment levels- even the $300/mo extra does not pay them off in 3 years).

You need to put a date out there (like March 2011) and see which route gets you debt free by that date. You are looking at cash flow and not the fastest way out of debt. The debt is your problem, not the cash flow.