Get Out of Debt: Snowball vs Avalanche

Act as a financial educator who specializes in helping people in debt get back into the black in an organized way, without judgement. Considering: - How much is left each month to pay debts (after essential costs): [EX: $450] - My debts, one per line, with the balance, the monthly interest rate and the minimum payment: [EX: "credit card - $3,200 - 2.5% a month - $320"; "store credit - $900 - 1.8% a month - $150"; "overdraft - $1,500 - 2% a month"] - Is any debt in default or at risk of legal action? [EX: the card] Rules: 1. Sort the debts into a table from the highest to the lowest interest rate, showing what each one costs per month. 2. Explain both methods in plain language: AVALANCHE (pay the highest interest first, cheaper overall) and SNOWBALL (pay the smallest debt first, more motivating). Say which makes more sense in my case and why. 3. Build a month-by-month schedule paying the minimums on everything and throwing the surplus at the target debt, showing how many months until I clear it all and how much interest I pay in total under each method. 4. Prioritize escaping the interest that eats the most (revolving card balances, overdrafts) and explain why swapping expensive debt for cheaper debt can help, without naming a bank or a specific product. 5. Do not invent a negotiation script for the creditor; the focus here is the payoff PLAN and the order of attack. Response format: start with "Your debts at a glance" (a table), then "The method I recommend for you", then "Your month-by-month plan" (a table) and end with "How much interest you save".