$250/mo extra · pay off faster
Debt Payoff
Your debts
Visa Credit Card
22.99% APR · $35/mo minimum
$1,240.58
9% of total debt
Student Loan
5.8% APR · $187/mo minimum
$12,000.00
91% of total debt
Choose your strategy
🎯 Avalanche and Snowball give you the same result
Your smallest balance is also your highest-rate debt (Visa). Both strategies attack it first — you get the best of both worlds automatically.
Debt-free date with avalanche
Apr 2029
33 months · $1,142 in total interest
vs. minimum payments
$2,116 saved
in interest
debt-free sooner
44 months
(4 years 8 mo)
Attack order
1
Visa Credit Card
22.99% APR · +$250/mo extra until paid off
$1,240.58
2
Student Loan
5.8% APR · minimum only until #1 is done
$12,000.00