Credit & Debt Management Tracker

You have $34,000 in combined debt: two credit cards, a personal loan, and a car payment. You make the minimum payment on each because that's what you can manage. At current rates and minimums, the credit card carrying $11,000 at 24.99% APR will take 8 years to pay off and cost you $9,200 in interest — nearly doubling what you borrowed. You know you should attack the high-interest debt first. But "attack it" isn't a plan. You need to know the exact payment amount, the exact payoff date, and the exact sequence to follow — and you need a script for calling your card issuer to lower the rate before you start.

The Credit & Debt Management Tracker calculates your debt payoff timeline under both the avalanche method (highest interest first — mathematically optimal) and the snowball method (smallest balance first — motivationally optimal), lets you compare them side by side, generates a month-by-month payoff schedule, writes the scripts you need to call and negotiate lower rates, produces credit bureau dispute letter templates for errors on your report, and runs a monthly credit health review to track your progress across all five score factors.

What you get:

• SKILL.md — Full protocol: debt inventory, avalanche/snowball calculator, payoff schedule, rate negotiation scripts, credit report audit, dispute letter templates, and monthly review
• LISTING.md — Product page (this file)
• MANIFEST.json — Machine-readable product metadata

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Pricing Rationale

Paying off a $10,000 credit card balance using the avalanche method vs. minimum payments saves an average of $4,000–7,000 in interest and 4–6 years of repayment time. Credit counseling services charge $50–100/month for a managed plan. This skill provides equivalent analysis and scripting for $9, with no ongoing fees and no third party handling your accounts.

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Works Great With

• Credit Score Accelerator Guide (#49) — combine debt paydown with rapid score improvement tactics
• Habit Science Engine (#45) — build debt payment habits that don't break after the first missed month
• Solopreneur Operations Kit (#54) — manage business credit alongside personal credit health

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Version History

• v1.0.0 — Initial release