Method 1 — Smallest Balance First
Snowball ❄️
Method 2 — Highest Rate First
Avalanche 🏔️
🗺️ Payoff Order — Which Debt Goes First
📉 Your Debt Goes to Zero
Watch your total debt drop to the valley floor — month by month.
You've got this.
Every extra dollar you put toward debt today is buying back months of your future.
💡 A note on the math: Avalanche always saves the most interest — that's just how the numbers work. But the best debt payoff plan is the one you actually stick with. If crossing off a small balance fast keeps you motivated, Snowball works great too. Pick the method that fits how you're wired.