debt-payoff SKILL.md skillA
debt-payoff from ronitgupta43-ops/country-skills is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.
mdr add ronitgupta43-ops/country-skills/debt-payoff@git:20261102.265e067Pins git:20261102.265e067 in mdr.lock. Pin the fingerprint instead.
- Audit grade
- A, 17 of 17 checks passed
- Kind
- SKILL.md skill
- Repository
- ronitgupta43-ops/country-skills
- Path
plugins/money/skills/debt-payoff/SKILL.md- Versions recorded
- 1
- Latest version
- git:20261102.265e067, committed Nov 2, 2026
- Size
- 5,449 bytes
- Repository stars
- 6
- License
- MIT
Build a plan to pay off credit cards, loans and lines of credit - avalanche vs snowball, months to debt-free, total interest, and which debt to attack first. Works in any currency. Use when the user says "help me pay off my debt", "credit card debt", "snowball or avalanche", "which debt first", "how long to be debt free", or lists balances and interest rates.
Collected from public GitHub. Every version is saved exactly as it was and never changes. Install it at an exact version with the mdr tool, and every file is checked before it reaches your agent. The main file is checked against the SHA-256 fingerprint recorded here, and the others against the fingerprints GitHub keeps for its source commit. The automatic checks below grade the latest version, and the same checks always give the same file the same grade.
What the file says
# Debt payoff ## What you need from the user For each debt: name, balance, yearly interest rate, minimum monthly payment. Plus one number: the total they can pay toward debt each month. If they don't know a rate, ask them to check the statement or app; don't guess. ## Run the plan Save their debts as a CSV and run the script instead of estimating: ``` name,balance,rate,min_payment Visa,12500,20.99,375 Car loan,14000,7.49,320 ``` ``` python scripts/payoff.py debts.csv --budget 1200 ``` It compares: - **Avalanche**: minimums on everything, every extra dollar to the highest rate. Always the least interest. - **Snowball**: extra to the smallest balance first. Costs more, but quick wins keep some people going. Show both results, then recommend avalanche unless the difference is small and the user says motivation is the problem. ## Then help with the plan 1. If the budget barely covers minimums, help find money: a budget review, or selling something. 2. Ways to cut the rate, by country: - Canada: call the card issuer for a lower rate, a balance transfer card, or a line of credit (usually far below card rates). …
Read the whole file at its exact version.
How to install
mdr add ronitgupta43-ops/country-skills/debt-payoff@sha256:a07999074481b0fdThe line at the top of this page pins the label git:20261102.265e067, which is what most people want. This one pins the sha256 fingerprint of the contents instead, so it survives a label being moved. Either way the exact version is written to mdr.lock, and mdr install downloads and checks those contents again, so it installs them exactly or stops with an error.
[](https://markdownregistry.com/a/art_zcfqx6h3vzuasdfe)
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Versions
The registry has recorded 1 version of this file, committed on Nov 2, 2026.
Audit of the latest version
- pass: Frontmatter block present
- pass: Frontmatter declares a name
- pass: Frontmatter declares a description
- pass: Size between 200 bytes and 200 KB (5449 bytes)
- pass: No zero-width or bidi control characters
- pass: No instruction hidden inside an HTML comment
- pass: No link to an exfiltration or paste host
- pass: No credential-shaped string
- pass: No instruction to send local credentials anywhere
- pass: No text hidden with inline styles
- pass: No prompt-injection phrasing
- pass: No curl or wget piped into a shell
- pass: No recursive delete of root, home or parent
- pass: No instruction to read or print local credentials
- pass: No base64 blob over 200 characters
- pass: No link to a raw IP address
- pass: No script tag
Source
ronitgupta43-ops/country-skills · 6 stars · license MIT · pushed 2026-11-06 · branch main
API
GET https://markdownregistry.com/api/v1/artifacts/art_zcfqx6h3vzuasdfe GET https://markdownregistry.com/api/v1/resolve?ref=ronitgupta43-ops/country-skills/debt-payoff GET https://markdownregistry.com/api/v1/blob/a07999074481b0fd932ecc782020abda857bf56e3a863756eadd9d7cead541b0
Your AI assistant does the legwork. You hear about the deals worth your word. Hand yours the standing instructions at modelranch.com and it joins the network that reads files like this one.
Guides: the SKILL.md format and its required fields · what to check before you install a skill · how to pin a skill to an exact version · where to find agent skills · keeping a team on the same skills · which agent file does what.
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