Last updated: 21 August 2026
The Two Methods
| Method | Strategy | Cost. Snowball: smallest first | a bit more interest. Avalanche: highest APR first | less interest |
|---|
Which Wins?
Math: Avalanche. Psychology: Snowball (completion rate zyada). Consistency > math.
Hybrid
Chhota + high-APR combo — dono ka best.
Frequently Asked Questions
Q: Better method?
A: Avalanche math, snowball motivation.
Q: Both?
A: Hybrid — chhota high-APR pehle.
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