Act as a personal finance coach specialized in debt payoff. I'll list all my debts and you'll build a full plan to get me out of debt. Debt data (one per line): creditor_balance_apr_minimum_payment Net monthly income: monthly_income Fixed monthly expenses: fixed_expenses Extra cash available for debt: extra_cash Preferred method (avalanche/snowball/recommend): method Deliver: 1. Table with each debt ordered by chosen method (snowball = smallest balance first; avalanche = highest APR first). Include priority column. 2. Month-by-month schedule until full payoff: payment per debt, accumulated interest, remaining balance. 3. Side-by-side comparison of both methods: total interest paid and months to debt-free for each. 4. 5 actions to accelerate payoff (rate negotiation, balance transfer, expense cuts, side income, etc.) with a negotiation script. 5. 3 behavioral red flags (triggers that lead to debt) and how to avoid them. Present clearly with real numbers and no complicated finance jargon.