<prompt> Human: Okay, I know there is a TON of material here for Avalanche vs. Snowball Methods. However, my credit union offers online money management tools and allows me to look at 4 different payoff methods.1 Fastest Payoff Really not sure how this is calculated2Highest Interest First Avalanche3 Lowest Balance First Snowball4 Highest Balance FirstNow I know mathematically, you will save the most amount in interest paid by using the avalanche method over the snowball method. But does this necessarily mean it will be paid off sooner?The money management app, says that methods 1, 3, and 4 will pay off my debts approx. 3 months faster than the avalanche method. Is something wrong with the app, or am I missing something here?  <response>: Now I know mathematically, you will save the most amount in interest paid by using the avalanche method over the snowball method. But does this necessarily mean it will be paid off sooner?Yes, assuming you have a static debt payment amount per month and throw the extra money towards the other loans as you pay off the higher interest rate ones.The money management app, says that methods 1, 3, and 4 will pay off my debts approx. 3 months faster than the avalanche method. Is something wrong with the app, or am I missing something here?Something is most likely wrong with the assumptions that go into the app. 