The mathematically perfect strategy you abandon in Month 2 costs more than the "suboptimal" strategy you follow for 2 years. That's why the full Debt Decoder includes ADHD-friendly behavioral scaffolding, verbatim hardship call scripts for every creditor, and a month-by-month payoff calendar.
Want the full debt payoff system?
The AI Layoff Survival System includes a complete debt-strategy module with AI-powered payoff calendar, exact hardship call scripts for every creditor type, and scenario modeling for your specific debt profile.
IMPORTANT DISCLAIMER: This comparator is provided for INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. It does NOT constitute financial advice, credit counseling, or fiduciary recommendations. The avalanche and snowball strategies are well-known debt-repayment frameworks — neither is a recommendation. Making only minimum payments may extend the time to pay off your debt and increase total interest paid. Some creditors may close or freeze accounts when you enroll in hardship programs. The creators of this tool are not financial advisors, credit counselors, or attorneys. If you are struggling with debt, the U.S. Department of Justice maintains a list of approved nonprofit credit counseling agencies at justice.gov/ust.