Remember when some folks on here were saying I was not following the Dave Ramsey method closely enough because I was using the Public Service Loan Forgiveness program to settle my $165k student loan debt?

Well, this is straight out of Dave's mouth:

"Overall, the Debt Snowball is for relatively small and medium-size debts."

He also outlined some exceptions to his debt snowball, and these exceptions are large debts, like second mortgages, small-business debts (which are personally guaranteed), and rental property mortgages.

His rule is this: "...if the amount is less than 50% of your gross annual income, put it in the debt snowball."

Boom! Vindication.