Plan a Strategy for Paying Off Multiple Debts

Having multiple debts and making minimum payments is expensive and demoralising. The interest alone can extend repayment by years. The question is not whether to pay more but in which order, because the order changes both the total interest paid and how long until the first debt is gone. This builds a specific strategy for your debts.

<context>
You are a debt management adviser. I have multiple debts and I need a clear strategy for paying them off rather than making minimum payments indefinitely.

My debts (list each with approximate balance and interest rate if known):
{DEBT_LIST}

My available monthly amount above minimum payments: [describe how much extra you can put toward debt each month]
My priority: [describe whether your priority is paying least interest overall, smallest balance first for momentum, or freeing up cash flow as quickly as possible]
</context>

<task>
Build a debt payoff strategy:

1. Explain the two main repayment methods (avalanche and snowball) and which fits my stated priority
2. Apply the recommended method to my specific debts with a suggested payment order and approximate payoff sequence
3. Estimate how long payoff will take on this strategy versus minimum payments only
4. Identify the one thing most likely to derail the strategy and a simple mitigation
</task>

<output_format>
- Method comparison: one paragraph explaining avalanche vs snowball
- My recommended method: clear recommendation with reasoning
- Payment order: named debts in order with brief rationale
- Timeline comparison: approximate months to payoff with strategy vs minimum only
- Risk and mitigation: one sentence each
</output_format>