Attack the most expensive debt first — the math order
Rank debts by interest rate, pay every minimum, and send all extra money to the most expensive balance — whatever its size.
Hypothetical example: the 28% APR card charges about $58.33 of interest in month one on $2,500. Every dollar removed stops accruing at 28%.
The 28% card is cleared in month 11, the 22% card in month 22, the loan in month 30 — debt-free in month 31.
Versus about $3,178 for the snowball on identical debts: about $509 saved, and one month sooner.
Wide rate gaps, large high-rate balances, and long timelines. At 28% on $6,000, interest runs about $140 a month — order matters most there.