Debt Payoff Tracker

You have balances on three cards, a car loan, and a student loan — and no idea which one to pay first. You make minimum payments, watch interest compound, and tell yourself you will sort it out next month. Downloading a budgeting app did not fix it. The app tracked your spending. It never touched the debt. This skill gives your AI agent the exact frameworks to eliminate debt systematically. It includes an avalanche vs. snowball payoff calculator that runs on your actual balances and interest rates, credit bureau dispute templates built from CFPB-compliant language, and rate negotiation scripts extracted from 50+ documented creditor calls. It also runs a monthly five-factor credit health review so you know exactly what is suppressing your score and what to fix first. This skill does not recommend balance transfers without first modeling total interest cost across the full repayment window — because transfer math is routinely misread, and buyers have added net debt by chasing promotional APRs. Every payoff recommendation comes with a projected interest savings figure, not just a priority ranking. What you get: DEBT_TRACKER.md — core skill document with payoff methodology and monthly credit health review protocol. DISPUTE_TEMPLATES.md — three ready-to-send dispute letters formatted for Equifax, Experian, and TransUnion. NEGOTIATION_SCRIPTS.md — rate reduction call scripts for credit cards and personal loans. PAYOFF_CALCULATOR.md — avalanche and snowball worksheets with milestone markers and cascade logic for when a balance hits zero. No external API key required.