Debt Avalanche vs Snowball: Choosing the Right Method

Debt avalanche targets the highest interest rate first, minimizing total interest paid. Debt snowball targets the smallest balance first, maximizing motivation through quick wins. Neither method is always best.

If you can stay consistent with long timelines, avalanche usually wins on cost. If motivation and behavior are your challenge, snowball can be the better real-world choice because consistency beats perfect math that never gets executed.

The best approach is to model both methods with your real balances, rates, and payment budget. Compare total interest, payoff date, and the number of accounts eliminated in the first 6 months.