If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.


ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login


Pre-Bankruptcy Client

Post-Bankruptcy Client

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started


You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.


How to Pay Down Debt: Snowball vs. Avalanche Method

If you’re wondering how to pay down debt you’re not alone. 46.7% of all households nationwide are carrying credit card balances and trying to navigate debt management. If you are one of the 46.7% you are most likely looking for credit relief. You’ll be happy to know that you have choices for getting out of debt depending on what works best for you. We’re looking at Snowball vs Avalanche Method today.

Snowball vs avalanche method - which debt payment method would you choose?

Snowball vs avalanche method – which debt payment method would you choose?

The following plans are all about focusing on one thing at a time. For both of the following strategies, you’ll pay as much as you can towards one of your debts, and make the minimum payments to the others. See below to decide which debt to focus on first.

Choice #1:  Debt Snowball Plan

List all your debts in order of balance amount, with the smallest balance first. If, and only if two debts have a similar balance, look at the interest rates. List the debt with the higher interest rate first. Now, while paying the minimum balance on everything else, focus on paying off one balance at a time in order. The benefit of this plan is that attacking the little debts first gives you quick satisfaction. Chances are you are more likely to stick with it if you are seeing a reward for your hard work.

Choice #2: Debt Avalanche Plan

List all your debts in order of interest rate, with the highest interest rate first. While paying the minimum balance on everything else, focus on paying off one balance at a time, starting with the balance that has the highest interest rate. Once the debt at the top of the list is paid off, move on to the next debt on the list. Mathematically, this method will allow you to pay your debts off faster and pay less interest. But, this method can be more difficult to stick with because you may not have the “early success” you will have if you use the Debt Snowball Plan.


If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 



Madison is a Marketing Communications & Programs Associate at ACCC. She is excited to share her tips on saving money and being financially responsible here on the Talking Cents blog!

View all author posts →


Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

Request: blog/how-to-pay-down-debt-snowball-vs-avalanche-method
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=how-to-pay-down-debt-snowball-vs-avalanche-method
Loaded Template: single.php