<prompt> Human: I read some days ago about the snowball plan where you make minimum payments to all your debts except the smallest one.A couple of days ago I received a bonus at work and decided to use it to get out of debt. The thing is that the two smallest ones are not generating interest.My question is: Should I still pay them off to have some extra cash every month or should I focus on the ones that are generating interest at the moment?Update: Thank you all for your responses! I couldnt see clearly with so many numbers around my head. I created a spreadsheet and will strike the loan generating interest first.  <response>: You could also modify the snowball plan. Exclude those two with no interest and pay minimum on them until you begin paying interest. In the meantime, pay towards the third lowest balance. Once, you have to pay interest on one of the other two, switch to that. You will essentially be working on all three during that time since the two wont be having any interest added for those two. 