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You're paying, but your balances barely move. A plan you stick with can matter more than starting at the highest rate. The Debt Snowball orders debts, smallest balance first. Pay minimums on all; put extra toward the smallest. When it's gone, roll that payment to the next debt. It prioritizes motivation, not minimizing interest. A quick win can keep you moving. Start with your smallest balance, then carry that payment forward. Follow for more simple money systems.