Every column is a debt, drawn as an ice pillar. Its height is what you owe; its APR is how fast the ice re-freezes. Interest compounds daily, so even untouched, each column quietly grows back.
You get a fixed monthly budget. The minimums are paid on every column automatically — the surplus is your torch. Aim it at one column at a time.
Snowball aims at the smallest balance first: you kill a column fast, and the momentum feels great. Avalanche aims at the highest APR first: it always pays the least total interest, because it starves the hottest ice. Both beat the third path —
Minimums only. Set the budget to the floor and watch: the hottest column can regrow faster than a 2%-of-balance minimum melts it. A year passes and the yard is the same height. That is compounding working against you.
Something in the simulation stopped unexpectedly — the lesson continues without it. Nothing you did was wrong; you can move on.