Debt Plan

---
name: debt-plan
description: Compare debt payoff options using balances, APRs, minimums, cash flow, and user priorities.
---
# Debt Plan

Use when this capability directly owns the requested outcome.

## Procedure
1. Verify the debt inputs before calculating a plan.
2. Compare high-interest-first and smallest-balance-first approaches when both are relevant.
3. Preserve required minimum payments and an appropriate emergency buffer.
4. Do not promise approval, savings, returns, or legal outcomes.

## Output standard
Give a concrete result, decision aid, or next action. Keep assumptions visible and hand off work outside this skill's domain.