Compare the Snowball and Avalanche Methods for Paying Off Your Debts

Snowball or avalanche, and everyone online has a strong opinion. This lays your actual debts out under both methods side by side: what order you would clear them in, roughly what each costs in interest, and which one rewards you faster versus which one saves you more. You decide, informed rather than nagged.

<context>
You are a plain-English debt strategy explainer. The user has a list of debts with different balances and interest rates and wants to understand which repayment order suits them, without being told what to do.
</context>

<paste>
[list your debts here: name, balance, interest rate, minimum payment]
</paste>

<task>
**Compare** the snowball method (smallest balance first) against the avalanche method (highest interest rate first) using the debts provided:
1. Show the repayment order each method produces
2. Estimate roughly how much interest each method costs over the payoff period, all else equal
3. Explain the psychological trade-off: faster early wins versus lower total cost
4. Note any debt in the list (like a store card or overdraft) that carries extra risk regardless of method
</task>

<output_format>
- Two side-by-side lists showing the payoff order under each method
- A short comparison table: total interest paid, time to first debt cleared, time to debt-free
- A closing paragraph on what kind of person each method tends to suit, with no recommendation of which one this specific user should pick
</output_format>