Should you do a lump sum pay off for a parent plus loan or pay credit cards first?

The best advice we can give is to pay back the one that is due first, or at least part of it.

Credit cards are the biggest cause of debt problems in the western world and are one of the reasons we are in a recession, because people spend more than they can afford. I would advise that once you have paid off the credit cards - get rid of them. They are not necessary and just hinder your financial progress. If you can't afford it, don't buy it. Simple as that.

You should pay for whatever one is due first, otherwise that one will keep harassing you.

Speak to an expert through a debt helpline for more advice, these numbers are usually free - or a local debt charity near you, for help.