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Need help getting out of debt or bettering your finances? Take my free personal finance course: https://www.budgetersanonymous.com/fr... That's right, I'm a personal finance creator who doesn't charge for courses. ------------------------------- Ranking 9 debt payoff strategies on a tier list based on the latest science. This is how you should interpret my tier list: All strategies are ranked based on debt payoff potential. S tier - My favorite. Do this if you can. A tier - Strongly recommend. B tier - I still would consider these in certain contexts. There may be better options. C tier - There are better options for most people. Can still have value in some contexts. D tier - Probably not a great option for most people. F tier - Generally not recommended. Debt Payoff Studies Debt Snowball + Avalanche https://www.kellogg.northwestern.edu/... https://www.library.hbs.edu/working-k... https://pmc.ncbi.nlm.nih.gov/articles... https://myoccu.org/learn/paying-debt-... Bankruptcy https://www.sciencedirect.com/science... Minimum Payments https://www.ama.org/2023/03/01/how-de... https://www.nber.org/system/files/wor... About me: I went from $96k in debt in 2016 to becoming a millionaire in 2025. Now I make content to help those who are going through a similar journey and want to become middle-class millionaires.