Life changes, and your plan can too. You can adjust all of this anytime from the app.

Raise or lower how much you put toward debt each cycle. The change applies to your next cycle. (See "Changing or pausing your contribution.")

Switch between avalanche and snowball whenever you want — or set your own custom order and put your debts in the sequence you choose. Lorica re-sorts your debts and targets the new first debt starting with your next payment. (See "Can I choose my own payoff order?")

You decide which accounts Lorica pays. Add or remove a debt from your plan, and Lorica adjusts the order and your payoff date to match.

Anything already in motion for the current cycle finishes as scheduled. Your changes take effect on the next cycle, so payments in flight aren't disrupted.