Pay Off Debt is an application for the iPhone and Touch. The aim is to help you create and use a debt snowball to focus your debt reduction efforts. A debt snowball is a way to systematically pay down debts. Using this method (popularized by Dave Ramsey) you pay minimum payments to all debts except one (usually the debt with the lowest balance.) You then pay the minimum payment plus as much additional money as possible to the selected debt. This process is repeated until all of the debts are paid off. Get Pay Off Debt now!