Avalanche or snowball — and what does the easier one cost?
Avalanche (highest rate first) is always cheaper. Snowball (smallest balance first) clears accounts sooner, which keeps people going. We price the tradeoff so it is a number, not a belief.
How to read this. These figures come from standard formulas applied to
the numbers you entered. They describe arithmetic, not a recommendation about what you
should do. Your own situation includes things this page cannot see.