The snowball method, popularised by Dave Ramsey, orders your debts from smallest balance to largest, regardless of interest rate.

You pay minimums on every debt, then throw every extra dollar at the smallest debt until it is gone, then roll that whole payment into the next smallest.

The method works because early wins, sometimes in weeks, keep motivation high, whereas the mathematically optimal avalanche method can feel slow for months.

Snowball is best for people who have struggled to stick with a payoff plan before; avalanche saves more interest if you are already highly disciplined.