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Payoff Strategy Articles

4 articles on payoff strategy. Browse the full blog index or jump to another topic below.

Paying off student loans faster is mostly mechanics: how extra payments are applied, whether biweekly payments help, what a lump sum saves, and which debt to attack first. These guides run the actual amortization math on common balances and rates, so you can see the interest saved before you commit. Start with avalanche versus snowball if you have several debts, or the biweekly and lump sum pieces if you have one loan and a little room in the budget.
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Payoff Strategy 9 min read

Avalanche vs Snowball: Which Saves More?

The avalanche method saved $2,722 on one debt mix and exactly $0 on another. We ran eight real portfolios through the same math the calculator uses to find what actually decides the gap.

Sep 23, 2026 Read article →
Payoff Strategy 7 min read

Do Biweekly Student Loan Payments Save Money?

Paying half your monthly student loan payment every two weeks results in 26 half-payments per year — one extra full payment. See how much that saves you.

Sep 8, 2026 Read article →
Payoff Strategy 9 min read

Pay Off Student Loans in 5 Years: How Much Extra?

Want to be student-debt-free in five years? We show the exact extra monthly payment needed for common loan balances and interest rates, with a real amortization scenario.

Sep 6, 2026 Read article →
Payoff Strategy 7 min read

Lump Sum Student Loan Payment: How Much You Save

A one-time lump sum payment can dramatically cut your total interest. We run the numbers on $5,000, $10,000, and $20,000 lump sums at different rates.

Aug 28, 2026 Read article →
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