personal · 5 MIN
Avalanche vs snowball debt payoff
Pick a method you will stick with—and measure total interest.
Avalanche (math-optimal)
Pay minimums on all debts, put extra toward the highest APR first. Lowest total interest.
Snowball (momentum)
Pay smallest balances first for quick wins. May cost more interest but can improve follow-through.
Hybrid reality
Many people clear one small balance for motivation, then switch to avalanche.
Related offers
We may earn a commission from partner links.
Personal loans for debt consolidation
Compare fixed-rate personal loans for consolidating high-interest balances.
See personal loan options →Compare fixed personal loans
Check APR ranges, origination fees, and repayment terms side by side.
Compare personal loans →Personal loans for fair credit
See ranges and fees if your score is still building.
Check fair-credit options →