Budget: - Income: $4,800 - Fixed expenses: $3,100 - Minimum debt payments: $95 + $310 + $180 = $585 - Leftover after fixed expenses and minimums: $4,800 − $3,100 − $585 = $1,115 - You said $200/month is available for extra payoff — that's comfortably inside the $1,115 leftover, so the plan below is realistic as stated (you have headroom beyond the $200 if you want to move faster later). Recommended payoff order (avalanche — highest APR first, since no preference was given): 1. Credit Card (24.9% APR) — attack first, it's costing far more in interest than the other two combined per dollar owed. 2. Car Loan (6.5% APR) 3. Student Loan (4.2% APR) — lowest rate, paid last even though it's the largest balance. Month-by-month payoff timeline (minimums plus $200 extra, rolled forward as each debt clears): - Credit Card: $95 min + $200 extra = $295/month → paid off in roughly 12 months. - Car Loan: once the card clears, its $95 rolls in → $310 + $95 + $200 = $605/month on the remaining balance → paid off roughly 8 months after the card, around month 20 total. - Student Loan: once the car loan clears, the full $605 plus its own $180 min rolls in → clears roughly 14 months after that, around month 34 total. Total interest paid under avalanche: approximately $2,850 over the payoff period. Under snowball (smallest balance first): identical in this case, since the Credit Card also happens to be the smallest balance — so there's no snowball-vs-avalanche trade-off to weigh this time, the two strategies converge because your smallest-balance debt and highest-APR debt are the same account.