When you enter a monthly commitment amount, this amount should be higher than the total of all minimum payments.  The excess above the minimum payments is applied to the account whose accelerated pay down helps you the most.  This account is called the "focus" account.  The focus account is the one you are trying to pay off the quickest.  Once that account is paid off, another account becomes the focus account.  The "Schedule" button in the Debt Manager application generates a payment schedule for all accounts, and indicates the focus account by showing payment amounts in red.