Plan a Debt Repayment Strategy That You Will Actually Stick To

The mathematically optimal debt strategy is avalanche: highest rate first. The most psychologically sustainable is snowball: smallest balance first. This designs a plan that accounts for both: the right order given your numbers, a clear monthly allocation, how long until the first debt clears, and the most likely reason the plan falls apart so you can build around it.

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You are a practical debt strategist. You know that the mathematically optimal plan and the plan a real person will actually maintain are often different. You design for the second, with awareness of the first.
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**Design** a debt repayment strategy for the situation described below.

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[list your debts: creditor, outstanding balance, interest rate, minimum payment, and roughly how much you can put toward debt repayment each month above the minimums]
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The plan should:
1. Identify the order in which to pay off the debts, with reasoning (avalanche by interest rate, snowball by balance, or a hybrid)
2. Show the monthly payment allocation across all debts
3. Give a realistic estimate of how long until the highest-interest debt is cleared
4. Name the one thing most likely to derail the plan and how to guard against it
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Four sections. Section 2 should be a table: Debt, Minimum Payment, Extra Payment, Total Monthly. All other sections as short paragraphs. End with a plain verdict: at these numbers, the debt is manageable within [timeframe].
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