Snowball · Avalanche · Cash-flow relief · Hybrid — pick the math, see the savings.
Total household debt
$847,567
All debts including mortgage + Bonnie + student loan
Attack pool
$278,285
Optimizable balances · excludes 3 below
Min payments / mo
$7,263
Servicing cost across attack pool
Months at minimums
109 mo
If extra payment = $0
Nine debts in the optimization pool. Three more (mortgage, Bonnie family loan, student loan) are out of scope by policy — listed at the bottom. APRs flagged "estimate" need a Topher login to confirm.
Venmo Visa
$7,174
$260/mo min
Amazon Prime Store
$932
$35/mo min
Topher 401(k) loan
$46,909
$1,014/mo min
Jaime 401(k) loan
$33,491
$2,870/mo min
Lafayette patio loan
$25,497
$530/mo min
Lincoln Nautilus
$53,561
$904/mo min
F-150 Lightning
$50,368
$850/mo min
Pathways HELOC
$49,433
$580/mo min
BoA card (0% promo)
$10,920
$220/mo min
Each scenario assumes minimum payments on everything plus the extra you decide to throw at the top-priority debt. All math is at constant APR — real-world will differ slightly as APRs move.
Attack the most expensive interest first. Mathematically optimal — saves the most total interest. The first card to die is the Venmo Visa at 35.24%.
Months to debt-free
109 mo
Total interest paid
$75,420
At minimum payments only · first debt killed: Venmo Visa (month 13)
Attack the smallest balance first for the psychology win. You'll see a debt disappear sooner, which builds momentum. Costs more in total interest than avalanche, but the wins feel real.
Months to debt-free
109 mo
Total interest paid
$75,420
First debt killed: Amazon Prime Store ($932 balance)
Goes after debts where the minimum payment is biggest relative to balance — so you free up monthly cash fastest. Useful when monthly cash flow is the constraint, not total cost.
Months to debt-free
109 mo
Total interest paid
$75,420
Optimizes for monthly relief, not total interest.
Avalanche order (highest APR first) plus $250/mo extra on top of minimums. Kills the Venmo Visa quickly, then rolls into Lafayette at 8.99% — the next-most-expensive non-401k debt.
Months to debt-free
99 mo
Total interest paid
$68,120
vs. minimums only
$7,300 saved
Months sooner
10
Recommendation: hybrid order, +$250/mo, target Venmo Visa first. Then Lafayette. Then 401(k) loans (they pay self back).
Move the sliders to see what happens with an extra monthly payment or a one-time lump sum applied at month 1.
At minimums only (avalanche order), you reach debt-free in 109 mo and pay $75,420 in interest along the way.
Move the sliders to see the impact.
The Pathways HELOC is at 7%. The Lafayette patio loan is at 8.99%. Drawing the HELOC's $10,567 of headroom to pay down Lafayette saves a small but real amount each year — about $210.
HELOC available: $10,567. Move it to Lafayette → Lafayette balance becomes $14,930 @ 8.99%, HELOC balance rises to $60,000 @ 7%. Annual savings on interest: ~$210/yr. Not life-changing but it's free.
Three debts are excluded from the scenarios above by policy. They're visible here so the picture stays honest, but the algorithms never touch them.
Family support · interest-only · intentionally above-market · do NOT optimize
Locked pre-rate-hike at 2.875% · never refi · never accelerate
SAVE plan court-struck · servicing state uncertain · re-evaluate after Nelnet check