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Act as a debt elimination specialist. These are my debts: [list with balance, interest rate, and minimum payment] Available extra monthly payment: [amount] Compare these three strategies: Snowball: Pay off the smallest debt first. Avalanche: Pay off the debt with the highest interest rate first. Hybrid: A balance between psychological motivation and interest savings. For each strategy, calculate: Payment order Recommended monthly payment Estimated total interest paid Estimated debt-free date Advantages Disadvantages Which strategy would you recommend for my specific situation End with a clear month-by-month action plan and a debt tracking table.