Why the snowball is recommended for motivation (first half). The debt snowball method prioritizes paying off the smallest balance first while maintaining minimums on larger debts. Psychologically, paying off an account completely — even a small one — creates a measurable win that reinforces discipline and helps many people stick to a repayment plan. Behavioral finance research indicates that early, visible wins increase the likelihood of continued effort; people who sustain the plan are more likely to pay off all debts long-term than those who abandon mathematically optimal methods out of discouragement. For borrowers who struggle with persistence, the snowball can be an effective behavioral design: it accelerates the count of “paid-off” accounts quickly, simplifying mental load and motivating continued progress.

When to use snowball vs hybrid approaches (second half). Use snowball when psychological momentum is central — for example, if a borrower has small balances that can be eliminated in weeks or a couple of months, the quick success can unlock continued commitment. If minimizing interest is critical and the borrower can sustain discipline, avalanche is mathematically better. A hybrid approach — e.g., clear one or two tiny balances for momentum, then switch to avalanche — is often practical: it blends the motivational benefit with near-optimal cost savings. Also weigh fees, deferred interest, or special promotional rates; if a small balance has a high promotional rate due to a penalty, attack it sooner. Ultimately, the “best” method is the one the borrower will follow consistently.