I'm actively paying down some debt in the next few months. I'm just looking for advice from other blackhat guys that have recently done the same. I am thinking of snowballing the debt, and paying down smallest to largest debts. Because at the point of paying off smallest, then I can put all the money I would regularly pay towards the bigger debts, and hit it even harder Plus actually paying it off 100% means less debt service in my name. And that means better scores and better rating for my credit.