re: Need advice on paying off debt

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If you're spending on stuff that "isn't forced" then you're really just financing it on that 20% card.

This is not a benefit at all.

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You completely missed the point.

For example, lets say you had a $500/month loan that was lower interest than the other loans but you could pay off in a month or two vs others that will take a year or more.

With that $500/month after the loan is paid off, that is money that you don't "have" to spend on other debt in the event an emergency or unexpected cost arises. Think of a car repair, new dishwasher, new sump pump, etc. If no unexpected costs come up you can put that money towards the other debts.

The key though is that you have more flexibility due to no longer having to pay that $500/month every time. It has many benefits that should be considered for each person. This is a great way to help reduce stress faster. That is worth something to many.