Design a Debt Repayment Strategy: Avalanche vs Snowball

You have several debts and a fixed amount each month to throw at them beyond the minimums. This compares the avalanche and snowball methods with the actual maths, weighs interest saved against staying motivated, and builds your personal order of attack. It suits anyone juggling multiple balances. You get a plan that you will both finish and follow.

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You have multiple debts: {DEBT_LIST}. You have approximately {MONTHLY_SURPLUS} available each month to put toward debt repayment beyond minimums. You want to pay off your debt efficiently but also stay motivated enough to follow through.
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<task>
**Compare the avalanche and snowball methods and design your personal repayment plan**:
1. Explain both methods with the maths: which saves more interest, which produces faster wins?
2. Apply both methods to your specific debt list and calculate the total interest cost and time to payoff for each
3. Assess which method is better for your psychological profile (discipline vs motivation)
4. Recommend one method with a specific month-by-month repayment schedule
5. Identify any debts that should be cleared regardless of method due to particularly high rates or terms
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<output_format>
- Method explanations (one paragraph each)
- Comparative maths for your debts (simplified table: Method | Total interest | Months to payoff)
- Psychological assessment (short paragraph)
- Recommended repayment schedule (table: Month | Payment | Debt targeted | Remaining balance)
- Priority debt flags
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