Two proven debt payoff methods: avalanche (highest APR first, saves the most interest) and snowball (smallest balance first, fastest wins). Enter your debts to compare.
Avalanche saves more interest; snowball provides faster emotional wins. Research suggests snowball users are more likely to stick with debt payoff long-term. Pick the one you'll finish.
Consolidation lowers total interest if the new rate is meaningfully lower and you don't rebuild balances on the old cards. Otherwise it just resets the debt cycle.
Minimums prevent late fees but often stretch payoff to a decade or more on credit cards. Look hard for even $50/month extra — the compounding is dramatic.