Compare Avalanche, Snowball, and Hybrid approaches and pick the one that fits your goals.
Pay extra toward the highest APR first. This usually reduces total interest and shortens the payoff timeline.
Pay extra toward the smallest balance first. This creates early wins that can help you stay consistent.
Mix the two approaches. For example, knock out one or two tiny balances for momentum, then switch to Avalanche for long-term savings.
Compare methods with your numbers