You can change the payoff debt method in two different places. When you choose a new plan, everything is updated automatically for you and you can change it back any time you like. The first location you can find it is on the "my account" page. The other place is on the "debt snowball table" page. I encourage you to select different plans to see how your payoff date is changed. Of course, you can fine-tune your payoff plan with the custom payoff plans.