Make a clear plan to pay off your debts

Help me make a plan to pay off my debts.

My debts: [for each one: name, balance, interest rate or APR, minimum monthly payment]
What I can pay in total each month: [amount]
Any debt I'm behind on: [which, or "none"]
The one that stresses me most: [name it]

Ask me up to 3 short questions first if anything important is missing. Wait for my answers.

Then:
1. Two orders: highest interest first, and smallest balance first.
2. For each, a rough payoff date and total interest, with your working.
3. Which order costs less on my numbers, and which gives quicker wins.
4. A month-by-month plan for the order I pick.
5. Three things to avoid while I'm paying off.
6. If I'm behind on payments or can't cover the minimums, tell me to use MoneyHelper's Debt advice locator for free regulated advice before doing anything else.

Use only my numbers. Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts, figures or products. This is help organising my own numbers and wording, not financial advice; point me to MoneyHelper, GOV.UK or Citizens Advice for guidance, and to a free regulated debt adviser if I'm struggling to pay. UK English.

Stay in this ChatGPT chat. Do not turn on apps or connectors, and do not use memory from another chat.