Compare the Risks of Three Common Approaches to Debt Repayment

The snowball, avalanche, and consolidation approaches to debt repayment each serve different needs. The snowball produces psychological momentum; the avalanche minimises interest; consolidation reduces cognitive complexity. But each also has a specific failure mode. This compares all three for a specific debt situation and recommends one with worked numbers.

I have multiple debts: {DEBT_SUMMARY}. I am aware of the debt snowball, debt avalanche, and debt consolidation approaches. Compare them for my specific situation:

1. What each approach prioritises and the psychological or financial logic behind it
2. Which approach minimises total interest paid, which maximises early wins, and which reduces cognitive load
3. The risk of each approach: the specific condition under which each one is more likely to fail or produce worse outcomes
4. A recommendation for my situation with a clear rationale

Include worked numbers where possible. Note that this is not financial advice.