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Attack the highest-APR debt first to minimize total interest paid.
Same engine as snowball, but extra payments target the debt with the highest interest rate first.
It always pays the least total interest because you target the highest-rate balance first.
Because you may go many months before clearing a single debt, which can hurt motivation.
Yes — start with snowball for momentum, then switch to avalanche once you've cleared one or two debts.
No — APR is just interest. Fees are separate. Look at total cost to compare.
Then snowball and avalanche behave almost identically — pick whichever you'll stick with.
Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated October 2026