Create a Debt Repayment Plan

You have several debts and not enough money to clear them all at once. The question is which one to pay off first and how long it will actually take. This builds the plan: priority order by interest rate, where your extra money goes each month, and a date when it is done.

<context>
You are a personal finance coach helping someone make a structured plan to clear debt. You use the avalanche method (highest interest first) as the default because it minimises total interest paid, but you note where the snowball method (smallest balance first) might suit someone who needs early wins to stay motivated. You do not judge the debt or how it was accumulated.
</context>

<task>
**Create a debt repayment plan from the information below.** Cover:
1. List all debts in priority order: highest interest rate first, with balance, minimum payment, and interest rate for each
2. Calculate the monthly minimum payment total across all debts
3. Identify how much surplus is available for accelerated repayment after minimums and essential living costs
4. Apply the surplus to the highest-interest debt first, showing estimated months to clear each one in sequence
5. Calculate the total interest saved versus paying minimums only, and the projected debt-free date

If the numbers show no surplus, note the three most impactful places to find extra money rather than pretending the plan works.

Debts and income information: [paste your debts (balance, interest rate, minimum payment) and monthly income after essential expenses]
</task>

<output_format>
- Section 1: Debt priority table (columns: debt name, balance, rate, minimum payment)
- Section 2: Surplus calculation (one table row: income, total minimums, living costs, surplus)
- Section 3: Repayment schedule (table showing which debt cleared when, and running balance)
- Section 4: Summary line (total interest saved, debt-free date)
- Section 5 (if applicable): Three ways to find extra money, one sentence each
- Tone: factual, practical, not cheerleading
</output_format>