雪球法与雪崩法还债

一张金融素养信息图,把两种还债方法并排对比。左侧:「雪球法」——先还最小的欠款,以越滚越大的雪球与一条动力曲线表现;右侧:「雪崩法」——先还利率最高的欠款,以逐级下降、最省钱的山形台阶表现。一个小表格列出示例债务、还款顺序与各自的总利息。干净的扁平风格,冷蓝对暖橙分色配色,米白底。顶部粗体标题「雪球法与雪崩法还债」,一张要点卡「选一个你能坚持的」。

A finance-literacy infographic comparing two debt-payoff methods side by side. Left: the 'snowball' - pay the smallest balance first, shown as growing snowballs and a motivation curve; right: the 'avalanche' - pay the highest interest first, shown as descending mountain steps that save the most money. A small table lists sample debts, the payoff order and total interest for each. Clean flat style, a cool-blue vs warm-orange split palette on off-white. Bold title 'Snowball vs Avalanche' at the top, a takeaway card 'pick the one you'll stick to'.