Pay off whichever debt causes you the most stress first — regardless of balance or interest rate. This is a psychology-driven approach, not a math-driven one.
People paralyzed by anxiety about a specific debt — medical bills, family loans, a collection account.
List all your debts. Identify which one causes the most stress or anxiety.
Pay minimums on all others. Attack the stressful debt first.
Once it's gone, switch to either the smallest balance or highest interest method.
Use the mental relief as fuel to stay consistent going forward.