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Updated: July 31, 2026
Student Loan Payoff: Avalanche vs Snowball Method
Quick Answer (2026 Summary)
The Debt Avalanche saves the most money by targeting high-interest debt first. The Debt Snowball builds psychological momentum by eliminating smallest balances.
Debt Payoff Strategies Compared
The Debt Avalanche method targets highest interest rates first, saving the most total interest.