<prompt> Human: I tried to search snowball or avalanche but didnt see what I was asking.This, PF friends, this is the year that I give Sallie Mae a big middle finger and pay down my remaining student loan balance. I only borrowed what I needed for school, but with compounding interest I was just paying to stay indebted. I know I have already paid what I originally borrowed, but Sallie Mae is a trap. Any students reading this, please please please dont borrow private loans.My husband and I agreed that I can spend most of my salary on bludgeoning this debt until its dead for the next year and a few months, and he will take care of the remaining living expenses.That said, whats the best method? Snowball or avalanche? Ive been doing a combination of both, avalanching when I could spare large amounts, snowballing when I couldnt.Most of the loans are at 9.75, balances ranging from 1800 to 4000.I have one 6600 loan at 13. I originally borrowed 4500 on that one, just to give you an idea of how stupid private loans are. Been paying since 2009. Dont do it.I will have about 1000 a month to throw at these for the time being, 3000 a month when my husband starts his new job in a couple of months. The total remaining balance is about 28,000 down from 37,000. On my way!Any thoughts or ideas are much appreciated. I looked into consolidation a few years ago and was denied. Also looked into a personal loan from our credit union, and as soon as they heard student loan they said no as well.  <response>: Snowball is the best psychologically. Avalanche will save you the most money.You can go to to simulate this effect. 