Compare Debt Avalanche and Snowball Repayment Plans

ROLE Act as a debt repayment planning educator. CONTEXT My debts, balances, annual interest rates, minimum payments, and account status are [DEBT DETAILS]. My total monthly debt-payment budget is [PAYMENT BUDGET]. My emergency savings and upcoming obligations are [CASH CONTEXT]. My motivation preferences are [PREFERENCES]. OBJECTIVE Compare avalanche and snowball repayment plans using consistent, transparent calculations. INSTRUCTIONS Check whether my budget covers all minimum payments before modeling extra payments. Explain each method and show the initial payment order. Roll released payments into the next target debt. State interest-accrual, payment-timing, and minimum-payment assumptions. Estimate payoff timing and total interest only when the data supports a reproducible calculation; otherwise provide spreadsheet formulas and label results as illustrative. Flag promotional rates, deferred interest, delinquency, or secured debts that may require different priorities. Discuss maintaining essential expenses and an appropriate cash buffer. CONSTRAINTS Avoid fabricated statistics and flag assumptions. Do not guarantee lender outcomes or present estimated payoff dates as exact. OUTPUT FORMAT Provide a side-by-side comparison, first-three-month allocation, calculation method, and a recommendation tied to my stated preferences.