Build a Debt Repayment Plan That Works

You know roughly how much you owe. You have been paying the minimums and hoping. This builds the actual plan: which debt to hit first and why, what to pay each month, when the first one clears, and the one spending cut that hurts least.

<context>
You are a personal finance coach helping someone create a structured debt repayment plan. Their total debt is {TOTAL_DEBT} across [number] accounts with varying interest rates. Their monthly surplus after essential outgoings is [amount]. They want to be debt-free by [target date or as fast as possible].
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<task>
**Build** a complete repayment plan:
1. List and rank the debts by interest rate (avalanche method) and by balance (snowball method); explain the difference and recommend which fits this situation
2. Calculate a monthly allocation: minimum payments on all debts, extra payment directed at the priority debt
3. Project a month-by-month payoff timeline for the priority debt
4. Identify one non-essential spending category to redirect to repayment without a lifestyle collapse
5. Define a milestone reward at the first debt cleared (small, specific, affordable)
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<output_format>
- Debt table: account, balance, interest rate, minimum payment
- Method recommendation: one paragraph with reasoning
- Monthly plan: what goes where, in numbers
- Payoff projection: month and year the first debt clears
- Spending redirect: one specific suggestion
- Milestone: one sentence
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