Debt Avalanche
Paying minimums on everything, then throwing every spare dollar at the highest-interest debt first — the mathematically cheapest path out.
The avalanche method ranks your debts by interest rate. You pay minimums on all of them, then direct every spare dollar at the most expensive debt — typically a credit card — until it is gone, then roll that payment onto the next.
Mathematically it beats every other order: less interest paid, faster finish. Psychologically it can feel slow if your biggest-rate debt is also your largest balance, which is why the snowball method exists.
Owdyn’s Debt Cockpit shows avalanche and snowball side by side, with the interest saved by each path.
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