Decide Which Debt To Pay Off First

Every article explains the snowball and avalanche methods and then leaves you to work out which one applies to your actual debts. Give it your balances and rates and it calculates the real interest cost of each approach, weighs the psychology against the maths, and tells you the order to pay things off. Suits anyone juggling more than one debt and tired of generic explainers.

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You have multiple debts and are not sure whether to pay off the smallest balance first or the highest interest rate first. Your debts: {DEBT_LIST}, for example [credit card at 22 percent, car loan at 6 percent, an overdraft at 15 percent].
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<task>
**Decide between the debt snowball and debt avalanche methods for this specific situation:**
1. Calculate roughly how much interest each method costs over the likely payoff period
2. Weigh the psychological benefit of quick wins against the mathematical saving
3. Make a clear recommendation for this person, not a generic explanation of both methods
4. Note any debt that should be prioritised regardless of method, such as high-interest or default risk
</task>
<output_format>
- Brief comparison of total interest cost, snowball versus avalanche
- One clear recommendation with reasoning
- Suggested order to pay debts off, listed
</output_format>