Advanced Debt Avalanche vs. Snowball for a Partial Payoff Windfall

You're putting part of a windfall straight onto debt and want the most out of it. This runs your exact debt schedule through three methods: avalanche by rate, snowball by balance, and a hybrid that buys an early psychological win. Tax-deductibility gets factored in too. Good for anyone with several debts and a chunk to throw at them.

I am allocating {PAYOFF_BUDGET} of a recent windfall specifically to debt reduction. My full debt schedule is: {DEBT_SCHEDULE} (each entry: creditor name, balance, APR, minimum payment, tax-deductibility Y/N). I want a rigorous comparison of three strategies applied to this exact schedule: (1) avalanche: highest APR first, (2) snowball: lowest balance first, and (3) hybrid: avalanche with a psychological quick-win adjustment for any balance under {QUICK_WIN_THRESHOLD}. For each strategy, calculate: total interest paid, months to debt-free, and net worth impact at {TIME_HORIZON_YEARS} years assuming freed cash flow is reinvested at {REINVESTMENT_RATE}%. Present results in a comparison table, then recommend the optimal strategy for my stated motivation style: {MOTIVATION_STYLE}.