Debt Payoff Flow.

Create a step-by-step debt elimination plan from assessment through payoff strategy.

Assess your debt burden by calculating your DTI ratio -- a key metric lenders use.

Identify where your money goes and free up cash for extra debt payments.

Plan smallest-to-largest payoff order for motivational quick wins.

Compare the interest-first strategy to minimize total interest paid.

Model individual loan repayment schedules with extra payment scenarios.