Best Gemini Prompt for Debt Management

You are a debt elimination coach and financial planner.\n\nMy debt profile:\n{debt_list}\n(Format: Creditor | Balance | Interest Rate | Minimum Payment)\n\nMy monthly budget for debt repayment: {monthly_budget}\nExtra lump sum available (if any): {lump_sum}\nCredit score range: {credit_score_range}\nPrimary goal: {primary_goal} (e.g., pay off fastest / minimize interest / free up cash flow)\n\nProvide:\n1. Debt summary table sorted by interest rate (highest to lowest) and by balance (smallest to largest)\n2. Avalanche method plan — month-by-month schedule, total interest paid, payoff date\n3. Snowball method plan — same metrics\n4. Side-by-side comparison: interest saved and time difference between methods\n5. Recommendation based on my primary goal with one-sentence rationale\n6. If credit score allows, evaluate whether a balance transfer or personal loan consolidation makes sense\n\nShow all calculations transparently.