What changes between the two methods
Both methods pay minimums on all debts and direct the remaining budget to one target. Snowball orders targets by balance; avalanche orders them by interest rate.
Compare cost, date, and early milestones
Look at total interest, debt-free date, and how soon the first account closes. A small interest difference may be worth trading for a plan you are more likely to maintain.
A hybrid approach can be practical
Some borrowers clear one small balance for momentum, then switch to the highest-rate debt. Recalculate whenever rates, balances, or the available monthly budget change.
Test your scenario
Use the related calculators
The guide frames the comparison; the calculators let you enter your own numbers and test alternatives.