Model Avalanche vs. Snowball strategies with real math, get a personalized AI stress score, and generate a word-for-word negotiation script to settle your debt for less.
Add every debt you carry — balance, APR, minimum payment. Nothing leaves your browser. We need exact numbers because the math compounds.
A month-by-month simulation of both Avalanche and Snowball, then Llama 3.3 70B (via Groq) layers on personalised advice. You see exact dollar savings and months shaved off.
For each debt, generate a phone-ready script: opening, hardship statement, initial offer, counter responses, closing. Read it aloud, settle for less.
Exact figures give you exact results. Nothing leaves your browser.
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