The Avalanche method prioritizes paying off debts with the highest interest rates first. This method can save you more money on interest over time compared to the Snowball method, which focuses on paying off the smallest debts first. While the Avalanche method may take longer to feel like you're making progress, it's the most efficient strategy from a purely financial perspective.

By tackling high-interest debts first, you reduce the total amount paid over the life of your debts. The key to success with this method is to stay consistent and avoid accumulating additional debt during the repayment process. It may require more discipline since it focuses on financial efficiency rather than quick wins, but the long-term savings are significant.