The debt avalanche method targets the highest-interest debt first to minimise total interest paid. Mathematically, it is the optimal strategy — it always results in the least total interest and the fastest time to debt freedom compared to any other fixed-payment strategy.
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Pro Tip
If the interest rate difference between your highest and lowest debts is small (say, 0–2%), the difference between snowball and avalanche in total interest paid is also small. Choose whichever keeps you most motivated.
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