The Art of Debt Management
Turn a pile of payments into a plan
Owing money is not a character flaw — it is a math problem with a sequence. Students bring a sample debt load, organize it by rate and balance, then build a payoff plan using the snowball and avalanche methods so they can see which approach fits their temperament and their cash flow.
90 minutes
Ages 16 and up
Live workshop + payoff planner
What you gain
Why it’s worth the evening
Replace payment panic with an ordered plan that shows exactly what to pay first.
Compare the snowball and avalanche methods and pick the one you'll actually stick with.
Learn how minimum payments quietly stretch a balance into years of extra cost.
Know what to do — and who to call — before a payment is missed, not after.
Learning outcomes
By the end, you can
- 01
Inventory debts by balance, interest rate, minimum payment and due date.
- 02
Build a payoff schedule using both the snowball and avalanche approaches.
- 03
Calculate how much interest a plan saves versus paying minimums only.
- 04
Prioritize an emergency buffer so a surprise expense doesn't restart the debt cycle.
- 05
Draft a script for contacting a lender to request a modified payment plan.
