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Debt avalanche vs. debt snowball

Two ways to order extra payments across several debts.

LoanPayoffAI Editorial Team · Updated Oct 25, 2026

The avalanche method sends extra money to the debt with the highest interest rate first. It usually costs the least interest.

The snowball method pays the smallest balance first. It often costs a little more, but early wins can help people stay motivated.

In both methods you keep paying the minimum on every debt, and when one is paid off its payment rolls into the next.

Compare both on our debt payoff calculator.