Medical Debt Payoff Plan
Medical bills often include zero-interest payment plans alongside high-rate cards used at checkout. Snowball suits that mix — clear the $1,800 clinic plan early for a quick win, then attack the 24.99% card. Zero-rate debts still benefit from the rolling cascade when they clear.
Swap in your hospital and clinic balances below. We detect minimums that do not cover interest before building a schedule. PDF includes the clear-order list people pin on a fridge.
Not financial or medical advice. Does not negotiate bills or recommend services.
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Avalanche (highest rate first)
Payoff: 24 months
Total interest: $455.89
First debt cleared: month 17
Snowball (smallest balance first)
Payoff: 24 months
Total interest: $731.15
First debt cleared: month 10
Avalanche: 24 months · $455.89 interest
Snowball: 24 months · $731.15 interest
Avalanche saves $275.26 in interest compared to snowball.
Snowball clears your first debt 7 months sooner.
Paying only minimums costs $1,395.53 more in interest than avalanche.
Snowball clear order
- 1. Clinic payment plan — month 10
- 2. Credit card (medical) — month 20
- 3. Hospital bill — month 24
| Month | Debt | Payment | Interest | Principal | Balance |
|---|---|---|---|---|---|
| 1 | Hospital bill | $100.00 | $0.00 | $100.00 | $3,100.00 |
| 1 | Clinic payment plan | $180.00 | $0.00 | $180.00 | $1,620.00 |
| 1 | Credit card (medical) | $70.00 | $49.98 | $20.02 | $2,379.98 |
| 2 | Hospital bill | $100.00 | $0.00 | $100.00 | $3,000.00 |
| 2 | Clinic payment plan | $180.00 | $0.00 | $180.00 | $1,440.00 |
| 2 | Credit card (medical) | $70.00 | $49.56 | $20.44 | $2,359.54 |
| 3 | Hospital bill | $100.00 | $0.00 | $100.00 | $2,900.00 |
| 3 | Clinic payment plan | $180.00 | $0.00 | $180.00 | $1,260.00 |
| 3 | Credit card (medical) | $70.00 | $49.14 | $20.86 | $2,338.68 |
| 4 | Hospital bill | $100.00 | $0.00 | $100.00 | $2,800.00 |
| 4 | Clinic payment plan | $180.00 | $0.00 | $180.00 | $1,080.00 |
| 4 | Credit card (medical) | $70.00 | $48.70 | $21.30 | $2,317.38 |
| 5 | Hospital bill | $100.00 | $0.00 | $100.00 | $2,700.00 |
| 5 | Clinic payment plan | $180.00 | $0.00 | $180.00 | $900.00 |
| 5 | Credit card (medical) | $70.00 | $48.26 | $21.74 | $2,295.64 |
| 6 | Hospital bill | $100.00 | $0.00 | $100.00 | $2,600.00 |
| 6 | Clinic payment plan | $180.00 | $0.00 | $180.00 | $720.00 |
| 6 | Credit card (medical) | $70.00 | $47.81 | $22.19 | $2,273.45 |
| 7 | Hospital bill | $100.00 | $0.00 | $100.00 | $2,500.00 |
| 7 | Clinic payment plan | $180.00 | $0.00 | $180.00 | $540.00 |
| 7 | Credit card (medical) | $70.00 | $47.34 | $22.66 | $2,250.79 |
| 8 | Hospital bill | $100.00 | $0.00 | $100.00 | $2,400.00 |
| 8 | Clinic payment plan | $180.00 | $0.00 | $180.00 | $360.00 |
| 8 | Credit card (medical) | $70.00 | $46.87 | $23.13 | $2,227.66 |
Showing first 24 of 54 rows. Download PDF or CSV for the full schedule.
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