Plan a Strategy to Eliminate Credit Card Debt in 18 Months

The minimum payments go out, the balance barely moves, and the interest keeps eating you alive. List your cards, balances and rates and this prompt builds an 18-month payoff plan using either the avalanche method (highest interest first) or the snowball, with clear milestones. Good for anyone carrying card debt who wants a real exit, not just hope.

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Credit card debt is expensive (typically 20-30% APR) and psychologically draining. A structured elimination plan with clear milestones and a concrete payoff strategy is far more effective than making minimum payments and hoping for the best.
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List your credit cards, their balances, and their interest rates: [card list]. Choose and apply one of two payoff strategies: avalanche (highest interest rate first) or snowball (smallest balance first). Calculate the monthly payment required to eliminate all debt within 18 months. Build a month-by-month schedule for the first six months.
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State which strategy you selected and why (two sentences). Present a payoff table (card, current balance, rate, monthly allocation, projected payoff month). Then the six-month schedule with: total payment that month, which card receives the extra payment, and running total debt. End with one behaviour change that would accelerate the plan.
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