Debt — Paying it off without losing the rest of your life.

Avalanche, snowball, balance transfers, the order that saves you the most dollars or the most morale. The math and the psychology, side by side.

This week's pick: How to Eliminate Credit Card Debt in 12 Months

The three-step plan: stop the bleed, rank the debts, fund the extra payment. No motivation required — just a calculator and a calendar.

How to Choose Between Avalanche and Snowball (BEGINNER · 6 MIN). The spreadsheet case for avalanche, the behavioral case for snowball, and when each actually wins.
How to Use a Balance Transfer Without Getting Burned (INTERMEDIATE · 7 MIN). The 3% fee math, the 18-month window, and the thing most people forget that resets their APR.
How to Pay Off Student Loans in the Current Environment (INTERMEDIATE · 10 MIN). PSLF, SAVE, IBR — what's still live in 2026, what's expiring, and the order of operations for each scenario.
How to Negotiate a Credit Card Settlement (ADVANCED · 8 MIN). When it's right, when it destroys your score, and the script that gets a 40% reduction in one call.
How to Consolidate Debt (And When Not To) (INTERMEDIATE · 9 MIN). Personal loan vs. 401(k) loan vs. HELOC — the real cost of each, and when consolidation is just repackaging.
How to Rank Your Debts in the Right Order (BEGINNER · 5 MIN). The four attributes — APR, balance, tax-deductibility, liquidity — and the scoring that picks the first dollar target.
How to Stop Using Credit Cards Without Closing Them (BEGINNER · 4 MIN). Why closing tanks your score, and the soft-lock method that ends the behavior without the penalty.
How to Build a Debt Payoff Calendar You'll Actually Keep (BEGINNER · 6 MIN). The monthly check-in, the single number that matters, and the two-column layout that replaces a dozen apps.