Make a Debt Payoff Plan

    Help me make a plan to pay off my debt.

My debts — for each: name, balance, interest rate, and minimum payment (paste what you have): {{debts}}
How much I can put toward debt each month, total: {{monthly_payment_capacity}}
What matters most to me (paying the least interest, or getting quick wins for motivation): {{priority}}

Please:
- Lay out my debts clearly (balance, rate, minimum) so I can see the whole picture.
- Explain the two common strategies and **apply both to my actual debts**: the **avalanche** (highest interest rate first — saves the most money) and the **snowball** (smallest balance first — builds momentum). Show the order each one would tackle my debts in.
- Given the amount I can pay and what I told you I care about, suggest which approach fits me and why — but show me both so I choose.
- Note anything worth flagging (a very high-rate debt, whether looking into consolidation or a lower rate could help) as **things to look into**, not as instructions.

Work only from the numbers I gave you — don't invent balances or rates, and don't project exact payoff dates unless the math follows directly from my figures (if you do, show the assumptions). This is to help me organize a plan, not financial advice; for debt consolidation, settlement, or anything with legal or credit consequences, a qualified professional is the right person to advise. If any debt's rate or minimum is missing, ask.