## Avalanche vs snowball — pick for math or behavior
Highest APR first (avalanche) usually minimizes interest. Smallest balance first (snowball) can keep humans on track. Run both with Debt comparison and Credit card payoff — if the interest gap is tiny, choose the plan you will still follow in three months.
## Watch “cheap monthly” traps
BNPL true cost & APR calculator and long personal loans can look gentle monthly while total interest balloons. Compare total paid, not the installment. Consolidation only helps if the new APR and fees beat the old stack — check Debt consolidation savings calculator.
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