Paying off debt

No, you can only reduce the interest payable on the debt.

Yes you can pay off the first loan and perhaps reduce or even fully eliminate the debt. Consider:
- refinancing
- debt consolidation
- partial payback
- debt forgiveness

Forgive me. You are correct. But can you pay off all of them or more than you have to in the end?

You need to be more specific as I am not sure what you mean.

It depends. Let's say you have a credit card debt of 10,000 at 20 %
and you'd like to pay that off immediately. If you find a bank who is willing
to loan you $ 10,000 at 5 or 6 % you can pay off the loan with the high interest
and make payments on the second loan until paid off.