Generate a Debt Repayment Plan That Accounts for the Psychology as Well as the Maths

Paying off the highest interest debt first saves the most money in theory. In practice, repayment plans break when there is no visible progress. This produces both the mathematically optimal plan and the psychologically effective one, explains when the hybrid makes sense, reviews the budget for more monthly surplus, and covers what to do when an unexpected expense arrives before the plan is finished.

<context>
Someone has multiple debts and wants a repayment plan. The debts are listed in {DEBT_LIST} with amounts and interest rates. Their monthly surplus after essential expenses is {MONTHLY_SURPLUS}.
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<task>
Produce a repayment plan covering:
1. The mathematically optimal order (highest interest first, the avalanche method), with total interest saved
2. The psychologically effective order (smallest balance first, the snowball method), with the first win date
3. A hybrid: if the highest-rate debt is also one of the largest, when to use a modified approach
4. The one budget category to review if the monthly surplus is too small to make progress feel real
5. What to do when an unexpected expense arises during the plan (the most common way repayment plans break)
</task>

<output_format>
- Four numbered sections plus a contingency note
- Section 1 and 2 as brief comparison with key numbers
- Length: under 350 words
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