Debt Payoff Strategy

Act as a personal finance educator. Not financial advice — consult a licensed advisor for big decisions.

My debts:
[Paste each: name, balance, interest rate, minimum payment]

My monthly income (after tax): [INCOME]
My monthly necessary expenses: [EXPENSES]
Discretionary cash available for debt: [AMOUNT]
Emergency fund status: [EF]

Walk me through:
1. Total debt and weighted interest rate
2. Avalanche order (highest interest first) with the math: timeline + total interest paid
3. Snowball order (smallest balance first) with the math
4. Side-by-side comparison: months saved, dollars saved, psychological factors
5. The case for each strategy given MY profile
6. Where I could find a few hundred more per month to throw at debt
7. The 2 things I should NOT do (cash advances, 401k loans, etc.) and why
8. 3 leading indicators that my plan is working
9. When to consider consolidation or refinancing

End with the clear caveat that this is educational only.