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Debt Payoff Plan (Concepts)
Frame a plan to tackle debt — not advice.
Universal
Claude
ChatGPT
Gemini
Grok
💡 The original prompt — works in any model. Start here, then tune per model.
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Situation
Help me think through paying down debt. My debts (types, rough amounts, rates) + income reality: {SITUATION} Give me: 1. The general strategies (avalanche vs. snowball) explained simply. 2. Questions to answer to pick what fits me. 3. How to free up money to put toward it. 4. Where to get real help (nonprofit credit counseling). IMPORTANT: educational framework only — NOT financial advice. A qualified professional should guide actual decisions. Use [brackets] for specifics.
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