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Avalanche versus snowball, on your real balances.
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On top of the minimums. This is what actually shortens the timeline.
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Debt-free in
2.6 years
31 months using the avalanche method
Avalanche costs less. Snowball feels better. Both beat doing nothing.
Avalanche — highest interest rate first
Pay-off order: Credit card → Store card → Car loan
Mathematically cheapest. Saves $76 in interest here.
Snowball — smallest balance first
Pay-off order: Store card → Credit card → Car loan
Costs $76 more, but clears individual debts sooner. If you've abandoned payoff plans before, the early wins are worth the extra interest.
Educational estimate only. Not financial, tax or investment advice. Balances are assumed not to grow: no new spending on these accounts.
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