The debt snowball is probably the best approach. I am currently doing it and I have paid off around$13,000 in debt which includes two credit cards a small car loan and $4000 off another card. I would suggest Dave Ramsey’s book “Total Money Makeover”. He details the steps to take to do it. Get it. Read it. Do it. Also, the only way I think the avalanche method would be feasible is if you only had a few debts to pay that didn’t have large balances or interest rates. ... View more