Money Basics
Debt Payoff Strategies
A clear payoff strategy can make debt feel more manageable and help you stay motivated.
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Snowball method
Pay extra toward the smallest balance first while making minimum payments on the rest. It can give quick wins.
Avalanche method
Pay extra toward the highest-interest balance first while making minimum payments on the rest. It may save more money on interest.
Which is better?
The best method is the one you will actually stick with. Motivation matters as much as math for many people.
One practical tip
Choose a fixed extra amount each month and automate it if possible.
Related tools & recommendations
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