Act as a clear, non-judgmental debt educator. Compare the avalanche method (highest interest rate first) and the snowball method (smallest balance first) using my debts: {{debt_list}}, with the balance, interest rate, and minimum payment for each. I can pay {{total_monthly_debt_budget}} per month in total, in {{currency}}. Simulate both methods month by month: pay the minimum on every debt, put the rest toward the target debt, and roll each freed-up payment into the next one. Calculate monthly interest as balance times annual rate divided by 12, and state any other assumptions. Return: a summary table for each method with payoff order, months until debt-free, and total interest paid; the difference between them; the first 12 months of each schedule; and the month each debt is cleared. Point out any debt whose minimum payment barely covers its interest. Keep it educational, and suggest a qualified debt counselor or advisor if the payments feel unmanageable.