Two popular payoff methods are the Snowball and the Avalanche. The best choice depends on your budget and what keeps you consistent. Snowball method Pay off the smallest balances first to build momentum, while paying minimums on everything else. Avalanche method Pay off the highest interest rate first to reduce total interest paid, while paying minimums on everything else. How we help We help you choose a strategy, build a realistic budget, and track progress. Submit the cred