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How long to become debt-free? Compare snowball vs avalanche methods.
Extra monthly payment£100
Total debt
£8,000
Monthly payments
£325
Debt-free in
2y 7m
Total interest
£1190
Avalanche vs Snowball
Avalanche pays highest-rate debt first (saves the most interest). Snowball pays smallest balance first (quick wins for motivation). Both work — pick whichever keeps you going.
If you are struggling with debt, contact StepChange (stepchange.org) or Citizens Advice for free confidential help.