{"slug":"mohitagw15856-debt-payoff","source_name":"mohitagw15856/debt-payoff","name":"Mohitagw15856/Debt Payoff","description":"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.","version":1,"lift":{"pass_rate_delta_pts":9.09,"pass_rate_pct":68.2,"total_cases":22,"passed_cases":15,"tokens_delta_pct":102,"turns_delta_pct":0,"verdict":"mixed","benchmark_model":"gemini-3.6-flash","grading_method":"judged","completed_at":"2026-08-15T06:26:42.464802+00:00"},"skill_score":null,"benchmark_models":[{"model":"gemini-3.6-flash","headline":true,"delta_pts":9.09,"with_pass_pct":68.2,"without_pass_pct":59.1,"tokens_delta_pct":102,"turns_delta_pct":0,"total_cases":22,"cases_aggregated":19,"verdict":"mixed","never_hurt":false,"completed_at":"2026-08-15T06:26:42.464802+00:00","run_id":"9c90bdac-ce0b-449e-975f-9de55e1f6344","version_number":1,"is_latest_version":true,"gate":null}],"trust":{"skill_safety":"passed","safety_status":"clean","intent_verdict":"safe","content_status":"clean","indexable":true},"license":"MIT","install_count":0,"manifest_hash":"2b6e263c74789ca6ca2fc714579a5b2a68994de0d8f6e06633fbaad96de6657b","raw_url":"https://app.decimal.ai/s/mohitagw15856-debt-payoff/SKILL.md","scorecard_url":"https://app.decimal.ai/skills/mohitagw15856-debt-payoff"}