Two proven strategies, one clear winner for your situation. The snowball method builds momentum with quick wins. The avalanche saves the most interest. See exactly how they compare for your debts.
Snowball wins psychologically — quick wins keep you motivated. Avalanche wins mathematically — you pay less interest. Both beat doing nothing.
If you struggle with motivation, start with snowball. If you're disciplined, go avalanche.
The Extra Budget Rule
Even $50–$100 extra per month can shave years off your debt. When one debt is cleared, roll its payment into the next — that's the "snowball" in action.