I took out an £8,000 career development loan that I pay back over 5 years at the rate of £182 per month (12.9% apr I believe) so far i've been paying that back for one year, I have £5,500 on credit cards that are always on 0% offers (well 3% per year really as I always have to pay the fee each time I balance transfer) but even though the interest is good the minimum payments still set me back around £100 each month. I want an optimum solution for each of these plans:

a)fun plan: get all my monthly debt repayment outgoings to under £100 so I can afford to move out

b)sensible plan: get all debt paid off in the quickest amount of time

I reckon if im careful I can payback £400-700 a month but not sure which would be the best to pay it too, cant seem to find an online calculator that works out how much earlier a debt will be paid off if I increase payments, so yeah thoughts