Compare two common repayment strategies: avalanche, which targets the highest APR first, and snowball, which targets the smallest balance first. The right answer is the one you can actually stick to.
2 strategiesAvalanche vs snowball
4 balancesCards, loans, overdrafts
Interest viewLowest-cost route shown
Debt help linksFor unaffordable payments
Strategy
Lowest interest is not always the only answer
Avalanche
Usually lowest total interest because extra money goes to the highest APR first. Mathematically tidy, emotionally slower if the biggest balance is first.
Snowball
Usually pays more interest but clears small balances first, which can make the plan feel real and free up attention.