Avalanche
Usually saves the most interest if you stick with it. Best when motivation isn’t the bottleneck and rates differ a lot.
Avalanche vs snowball — which should you use?
Avalanche targets highest APR first. Snowball targets smallest balances for quick wins. Both can work — DebtSelector helps you see the cashflow and interest tradeoff for your real debts.
Snowball
Clears small balances fast so you free up payments. Best when you need early wins to stay consistent.
A better question
If you have a refund or bonus, which debts should that money wipe out completely? That’s often more important than the label on the method.
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