# Debt Payoff

> Build a debt payoff plan — avalanche vs snowball simulated month by month on your actual debts, the real payoff dates, and the psychology-vs-arithmetic tradeoff priced in dollars. Use when asked how do I pay off my debts, avalanche or snowball, make me a debt payoff plan, or when will I be debt-free. Produces the month-by-month comparison from the script, the payoff order with dates, the interest cost of choosing morale over math, and the plan-survival rules.

## Facts
- Page: https://tashan.sh/capability/skill-mohitagw15856-debt-payoff
- tashan id: skill:mohitagw15856/debt-payoff
- Source: https://github.com/mohitagw15856/pm-claude-skills
- Type: skill
- Category: other
- tashan score: not scored (catalogued only — too little public evidence)
- Adoption: 9.0
- Upkeep: 97.0
- Freshness: 94.0
- Evidence coverage: 84% of the inputs this score can use
- Health: active
- Instruction depth: not yet graded
- License: MIT
- Official: no

## Install

```sh
cp -r debt-payoff ~/.claude/skills/
```

## Security audit
Not scanned. We audit npm-published capabilities; this one has no npm package we can resolve, or has not reached the queue. This is not a clean bill of health.

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Measured 2026-08-16 by tashan (https://tashan.sh) from public evidence. Scorer s5.