Скачать или смотреть The Best & Worst Ways to Pay Off Debt (According to Science)

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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.