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.