u/ItsDirkMcGirk

37M Married 2 teenagers.

I'm trying to figure out the fastest way to become debt-free.

I can put an EXTRA $1,600/month toward one debt in addition to making all minimum payments. Should I use the avalanche method (highest interest first) or snowball method?

Credit Cards

USAA
- Balance: $0
- Limit: $5,000
- APR: 17.4%

Chase Freedom
- Balance: $910
- Minimum: $55
- Limit: $1,800
- APR: 26.49%

Capital One D
- Balance: $6,184
- Minimum: $141
- Limit: $6,250
- APR: 14.65%

Capital One M
- Balance: $8,098
- Minimum: $239
- Limit: $8,300
- APR: 23.30%

Capital One D Venture
- Balance: $436
- Minimum: $30
- Limit: $1,000
- APR: 28.24%

Apple Card
- Balance: $13,174
- Minimum: $340
- Limit: $13,000
- APR: 19.49%

Navy Federal
- Balance: $0
- Limit: $500
- APR: 18%

Chase Sapphire
- Balance: $21,492
- Minimum: $800
- Limit: $22,000
- APR: 22%

Total Credit Card Debt: $50,294
Total Minimum Payments: $1,605/month

Loans

2025 Hyundai Palisade
- Balance: $56,500
- Minimum: $1,004.98
- Interest: 0%

Student Loan
- Balance: $9,500
- Minimum: $201

Hyundai 2022 N-Line
- Balance: $22,000
- Minimum: $500.65

Kia K5 2023
- Balance: $21,055
- Minimum: $380

Personal SoFi Loan
- Balance: $17,167
- Minimum: $1,412.66
- Payoff Date: 8/27/2027

PayLink Warranty
- Balance: $800
- Minimum: $111
- Payoff Date: 9/27/2026

PayLink Warranty
- Balance: $110
- Minimum: $26.24
- Payoff Date: 9/27/2026

Total Loan Debt: $127,132
Total Loan Minimum Payments: $3,636.53/month

Grand Totals

Total Debt: $177,426
Total Minimum Payments: $5,241.53/month

I can afford to pay an additional $1,600 every month on top of the minimums, so I'd be paying about $6,842/month toward debt.

I was think for paying off my personal first to free up that 1400 and use it to continue to snowball.

If you were in my shoes:

1. Which debt would you attack first?
2. Would you use avalanche or snowball?

Thank you for your time!