<prompt> Human: Just thought I would make a quick post for all those people who, like me, kinda found the snowball method of paying down debt to be... frankly, below you. I know that sounds bad, but hear me out for a minute.When I started reading here and getting my financial house in order, I knew Id go with the avalanche method. It makes the most logical sense, right? You save more money on interest, so its the smartest choice, and I dont need that false sense of accomplishment that those other people need, anyway. It appealed to me in a clear cut, logical way, and I rejected the psychological benefits of the snowball method as something only weak people needed yes, I am aware what a judgmental jerk I was and have since checked myself before I wrecked myself.After a couple months of the avalanche method I felt... deflated. I wasnt seeing any progress, I was getting discouraged, and my discipline was waning.In short, I was arrogant. I thought I was above needing that psychological boost. Moreover, I was afraid to consider I might need it because I perceived it as being weak. And if Im really honest, that hard-headed stubbornness and straight up denial is part of the reason I ended up with the debt in the first place.After switching to the snowball method I am much happier and feel more accomplished. Its not bullshit, like I thought. Im making real progress and have managed to keep my discipline and motivation levels much steadier than I was before. It works, and I am one of those people who needs the psychological boost. It doesnt make me or anyone else weak-- it makes us human.Anyway, I know there are might be people reading this who might be weighing their options and may identify with some of my thought processes in my journey to figuring my shit out. So to those people I will say: dont let arrogance and fear get in your way like it almost did for me. Dont automatically discount the snowball method. Its recommended for good reason!Edit to add: thank you everyone for your thoughts and suggestions on this post. I really enjoy being a part of this community and appreciate all the help and motivation youve given me in getting myself back of track.  <response>: Luckily for me, I can do both at once! My smallest loans are the highest interest rate, because while I didnt have the forethought to try to avoid taking out loans at all, I at least limited myself on the unsubsidized ones. But even if it wasnt like that, Id probably do the Snowball method until a couple loans are paid off and Im in the habit and then switch to avalanche. Its super daunting to start paying off these usually pretty huge sums of money so watching at least one of them make a plunge downwards is encouraging and you almost become a little addicted to making payments on it. 