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Debt Avalanche Coach AI Prompt

Your debts, your extra payment, your obstacle — one prompt for a personalized avalanche plan.

The debt avalanche method pays highest interest first — it saves the most money over time. Add your debts below (up to five), how much extra you can pay each month, and what’s getting in your way. Copy the prompt into ChatGPT, Claude, or Gemini for a step-by-step coaching plan.

Your debts

Above all minimums, toward the highest-APR debt.

Your prompt


                    

                


                


                
How to use this prompt

                
    
                    
  1. Enter each debt with its balance, APR, and minimum payment. Add up to five; remove any you don’t need.
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  2. Set your extra monthly amount and pick the obstacle that best describes your situation.
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  3. Copy the prompt and paste it into your AI assistant of choice.
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  4. Use the AI’s avalanche order and monthly payment breakdown as a starting plan — verify payoff order matches highest APR first.
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  5. When a debt is paid off, roll its full payment (minimum + extra) to the next debt on the list.
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  6. Compare the plan against our avalanche calculator for exact dates and interest totals.
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                    Debt avalanche calculator
                    Full payoff calculator