Can’t decide between the avalanche or the snowball? Combine the best of both into what’s called a debt blizzard. This hybrid method starts with the best part of the snowball method: paying off your smallest balance to free up some cash to put toward your other balances. Then you switch over to the avalanche and focus on your debt interest rates from highest to lowest.
You can do a blizzard just once to get you started or come back to it whenever you need a boost of motivation on a long journey. See one of your balances creeping closer to zero? Zap it with a quick snowball, then go back to the avalanche.