When avalanche is usually best
If you're analytical, stable, and motivated by long-term savings, avalanche often fits.
You target the highest APR debt first while paying minimums on the rest.
When snowball is usually best
If motivation drops quickly or you need visible progress, snowball can outperform in real life.
Closing small balances early creates proof that your plan is working.
Hybrid approach
Some people close one small balance first, then switch to avalanche for the remaining debts.
That can combine momentum and interest efficiency.