See how quickly you can become debt-free and how much extra payments save you.
Avalanche: Pay minimums on everything, then put extra toward the highest-interest debt. Mathematically optimal — saves the most money.
Snowball: Pay off smallest balances first for psychological wins. May cost more in interest but keeps you motivated.
On $15,000 at 18.9% APR, paying only $300/month takes over 7 years and costs $10,000+ in interest. Adding just $200/month cuts it to under 3 years and saves over $5,000.