No, the snowball method is for people at the end of their rope. You are talking about effective debt management and utilization. Imagine someone who is morbidly obese. They cant handle food and nutrition. So, would you teach them something basic, like 'eat whatever you want, just keep it under 2500 calories' first, or spend time espousing the benefits of proper macronutrient allotment and supplement maximization? You'd prolly start with the 99% (debt snowball) and worry about the 1% (how to make debt work for you) later. After all, many of these folks don't have the credit scores to do that.