I suggest tackling smaller balances first. For example, $5,000 at 10% might be a priority over $10,000 at 12% for extra money. Get the small one paid off and then move onto the next. Then you can double up on the 10k and so on. This builds momentum and there are psychological rewards to doing it this way.
If interest rates went up by one percentage point, 971,000 Canadians will end up in a cash crunch.