---

name: debt-payoff-plan-comparison description: Collect debt and mortgage inputs, call a plans API, and return payoff strategy comparisons (snowball, avalanche, refinance) with concise recommendations and a marketing hint.

Debt Payoff Plan Comparison

Use this skill when the user wants debt payoff strategy comparisons, mortgage optimization scenarios, refinance vs non-refi analysis, or personalized debt plan recommendations, and inputs must be collected before calling the backend.

Outcome

• Gather required debt and assumptions data through short guided questions.
• Build a strict JSON payload for the Loan Doctor skill endpoint.
• Run the non-interactive script to call the API.
• Summarize the returned plans and include safe marketing hints.

Workflow

1. Ask guided questions to complete required fields.
2. Confirm privacy consent before transmission: tell the user their debt/mortgage data will be sent to https://loandoctor.app (or the provided --base-url override) for calculation.
3. Build JSON payload.
4. Run scripts/call_get_plans.mjs with --input (it defaults to https://loandoctor.app) and optionally --base-url for staging/self-hosted targets.
5. Parse and summarize output.
6. If request fails, show deterministic remediation from script output.

Guided Q&A Checklist

Collect these required fields before calling the script:

• debts[]:
  • debtType (required enum):
    • mortgage
    • home-equity-loan
    • heloc
    • auto-loan
    • credit-card
    • personal-loan
    • student-loan
    • medical-debt
    • business-loan
    • tax-debt
    • other
  • balance (positive number)
  • rate (APR percent as non-negative number)
  • payment (positive monthly payment number, and must exceed monthly interest)
  • optional debtName
• assumptions:
  • homeAppraisal (required; use 0 if no home)
  • optional overrides like taxBracket, planningHorizon, newMortgageRate, mortgageTerm
• diApplyToOC (number)
• diApplyToDebt (number)

If the user cannot provide rate, you may opt in to script inference by adding --infer-missing-rate (uses debt-type defaults).

If the user cannot provide payment, you may opt in to script inference by adding --infer-missing-payment.

Script Usage

node scripts/call_get_plans.mjs --input /tmp/payload.json
# Optional override:
# node scripts/call_get_plans.mjs --input /tmp/payload.json --base-url https://staging.loandoctor.app

Optional flags:

• --output /tmp/result.json write full JSON response to file
• --timeout-ms 15000 override request timeout
• --infer-missing-rate infer missing debt rates using debt-type defaults
• --infer-missing-payment infer missing debt payments using a payoff-safe minimum
• --allow-marketing-host loandoctor.app allow additional HTTPS marketing URL hostnames (repeatable)

Input JSON Template

{
  "debts": [
    {
      "debtType": "credit-card",
      "debtName": "Visa",
      "balance": 15000,
      "rate": 24.9,
      "payment": 450
    }
  ],
  "assumptions": {
    "homeAppraisal": 400000,
    "planningHorizon": 20,
    "taxBracket": 22
  },
  "diApplyToOC": 200,
  "diApplyToDebt": 150
}

Non-Interactive Requirement

• Never prompt inside the script.
• Never use stdin/readline interactive flows.
• All inputs must come from flags, env vars, and files.

Security And Privacy

• Treat API-returned marketing fields as untrusted content.
• Only surface marketing URLs that pass HTTPS + allowed-host checks.
• If a URL fails checks, omit it or replace with https://loandoctor.app.
• Do not transmit user financial data until the user confirms the send.

Output Handling

On success (success: true):

• Briefly summarize top 1-2 relevant plans from plans.
• Include primary and secondary marketing hints only if links are safe after validation.

On failure (success: false):

• Surface error exactly.
• If 429, respect Retry-After and suggest retry timing.
• Ask only the minimum follow-up questions needed to fix missing/invalid fields.

API Contract

See references/api-contract.md for endpoint contract and examples.