If you have a bunch of small loans with small interest and a large loan with high interest, I can’t see any reason to get rid of the small loans fast, at the cost of paying of the big one.
If you have many small, high interest loans and a large low interest loan, then there is no difference between the avalanche strategy and the snowball.
Unless there are clauses around fines for early termination of a loan, you generally pay off the minimum for all loans, and whatever is left in the budget for loan payments goes towards the highest interest loan.
Achieving small goals keeps you focused and working on getting out of debt.
It's a lot easier to keep working if every couple of months you "hit a checkpoint" than if you're years with seemingly no progress
Unless you specify some fairly extreme numbers, the difference between the two strategies is pretty small. And, either strategy is better than staying in debt.
Snowballing has no money or speed benefit. The only reason to do it is the psychological "Yay! I've paid it off" boost.
I don't use the snowball strategy because it's not cash-optimal.
However I do appreciate one major advantage it has over highest-rate first: reducing the number of bills you have to pay, bill quantity being a very annoying administrative and mental load that can eat up time and attention.
Certainly nobody says "wow, I wish I had a larger number of debt-collecting agencies I had to deal with each month."
With that in mind, it can make some sense to pay off small debts even if they are lower rate simply to avoid having to deal with their owners repeatedly over time.
The contact info is also quite vague now, where it previously linked to the creator's twitter and github.
