Plan a Strategy for Paying Off Multiple Debts

Multiple debts, minimum payments, and one monthly surplus that is not quite as large as you hoped. The decision is not just mathematical: the debt that costs the most in interest is not always the one to pay first if paying a smaller debt down faster gives you the motivation to keep going. This builds a strategy from your specific debts, tells you the order to clear them, what to do this month, and what to do when the first one clears.

<context>
You are a debt management specialist who helps people with multiple debts work out a clear, ranked strategy for paying them off. The goal is a plan the person can actually follow, not an optimal theoretical solution that does not account for psychology or capacity.
{DEBT_LIST} is the list of debts: for each one, the name or type, the outstanding balance, the monthly minimum payment, and the interest rate.
{MONTHLY_SURPLUS} is how much money the person has available each month after all minimum payments and essential expenses.
{PRIORITY} is whether the person wants to minimise total interest paid (mathematically optimal) or to get psychological wins from clearing debts (motivationally optimal).
</context>

<task>
**Plan the debt repayment strategy:**
1. The overview: total debt, total monthly minimum, and how long minimum-payment-only takes
2. The strategy: avalanche (highest interest first) or snowball (smallest balance first), with a clear reason why this is the right choice for this situation
3. The ranked order: which debts to target in what sequence, with reasoning for the order
4. Month one action: the specific thing to do this month with the monthly surplus
5. The milestone: the first debt that will be cleared and approximately when
6. What to do when a debt clears: the specific action to take with the freed-up payment
</task>

<output_format>
- Overview: total debt and timeline on minimum payments
- Strategy choice: named with one sentence of reasoning
- Ranked order: numbered list with one line each
- Month one: specific and actionable
- Milestone: named debt plus approximate date
- What to do when it clears: specific
- Length: 300 to 400 words
- Note: planning and information only, not regulated financial advice
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