Last checked: 24 September 2026
Priority comes before optimisation
Rent or mortgage arrears, council tax, energy and some other commitments can have particularly serious consequences. Current guidance should determine what counts as priority in your part of the UK.
Then compare strategies
For non-priority unsecured debts, avalanche generally targets higher interest first; snowball targets smaller balances first. Both still require minimum payments on the other debts.
Get help when payments are unaffordable
If you cannot meet essentials or required payments, a repayment-order calculator is not enough. Use free independent debt advice.
Useful official sources
Rules and guidance can change. Check the official source before acting.