@bbgrad96 Mathematically it absolutely makes sense to do the avalanche.
The snowball is psychological. It’s about getting some small wins and creating moment which hopefully will get you and your spouse energized to keep going.
Neither one is wrong. The only wrong answer is keeping the debt...
@bbgrad96 Are the 10-12k bonuses on top of your 170k annual HHI? If so, make sure you all are on a budget and try to make extra progress besides just the monthly minimums outside of the quarterly bonuses.
I would do a snowball and knock out the smallest ones out first. You can pay off 3 loans...
