Organize Your Debts

A complete list helps you understand your obligations before choosing a repayment approach. Use a nickname for each account, and never enter full account numbers.

Two common repayment approaches

• Snowball: put extra money toward the smallest balance first while keeping every other required payment current.
• Avalanche: put extra money toward the highest-APR balance first while keeping every other required payment current.

Either approach only works if all minimum payments stay current. This worksheet doesn't estimate payoff dates or interest savings.

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