sound bites, and also the plan is simple to keep people on track and fired up, no arguing no excuses. The argument for paying the smallest debt first is that seeing progress is encouraging, and also it frees up the amount of the first payment to add to the snowball. And , to a certain extent, being mad at a debt can make you go faster. But you know your own life and you know whether you are fired up.
Me, I’d pay off or refinance that big one and I’d be on fire to pay it off FAST. It’s probably not too hard to find a way to roll it over but check the fine print because some rollover “zero interest” cards accumulate the balance, or go to astronomically high interest if you miss a payment.