<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>PayoffPath — Plan the exact date you become debt-free</title><description>Free debt snowball and avalanche calculators, loan amortization schedules, and practical payoff guides built on CFPB and Federal Reserve data.</description><link>https://debt-payoff-hub.pages.dev/</link><language>en-us</language><item><title>How I Paid Off $45,000 in 18 Months: The Math Behind the Story</title><link>https://debt-payoff-hub.pages.dev/blog/how-i-paid-off-45000-in-18-months/</link><guid isPermaLink="true">https://debt-payoff-hub.pages.dev/blog/how-i-paid-off-45000-in-18-months/</guid><description>A reconstruction of a debt payoff case study with the actual margin, payment sequencing, and the three levers that made the timeline possible.</description><pubDate>Wed, 14 Oct 2026 00:00:00 GMT</pubDate><language>en-us</language><lastBuildDate>Sun, 25 Oct 2026 18:12:01 GMT</lastBuildDate><category>Debt payoff</category></item><item><title>How Credit Utilization Changes Your Payoff Math</title><link>https://debt-payoff-hub.pages.dev/blog/how-credit-utilization-affects-payoff/</link><guid isPermaLink="true">https://debt-payoff-hub.pages.dev/blog/how-credit-utilization-affects-payoff/</guid><description>Why utilization matters beyond your credit score, how statement timing affects it, and how to sequence payments to help your score while paying down debt.</description><pubDate>Sat, 10 Oct 2026 00:00:00 GMT</pubDate><language>en-us</language><lastBuildDate>Sun, 25 Oct 2026 18:12:01 GMT</lastBuildDate><category>Credit cards</category></item><item><title>Medical Debt Payoff: What to Do Before You Pay a Hospital Bill</title><link>https://debt-payoff-hub.pages.dev/blog/medical-debt-payoff-strategies/</link><guid isPermaLink="true">https://debt-payoff-hub.pages.dev/blog/medical-debt-payoff-strategies/</guid><description>A practical sequence for auditing medical bills, requesting financial assistance, negotiating, and prioritizing payment without damaging your credit.</description><pubDate>Tue, 06 Oct 2026 00:00:00 GMT</pubDate><language>en-us</language><lastBuildDate>Sun, 25 Oct 2026 18:12:01 GMT</lastBuildDate><category>Debt payoff</category></item><item><title>Student Loan IDR vs Refinancing: The Trade-Off Nobody Explains</title><link>https://debt-payoff-hub.pages.dev/blog/student-loan-idr-vs-refinancing/</link><guid isPermaLink="true">https://debt-payoff-hub.pages.dev/blog/student-loan-idr-vs-refinancing/</guid><description>Income-driven repayment and refinancing solve different problems. Compare payments, total interest, forgiveness, and the federal protections you give up.</description><pubDate>Fri, 02 Oct 2026 00:00:00 GMT</pubDate><language>en-us</language><lastBuildDate>Sun, 25 Oct 2026 18:12:01 GMT</lastBuildDate><category>Student loans</category></item><item><title>Balance Transfer vs Personal Loan: Which Is Cheaper for Card Debt?</title><link>https://debt-payoff-hub.pages.dev/blog/balance-transfer-vs-personal-loan/</link><guid isPermaLink="true">https://debt-payoff-hub.pages.dev/blog/balance-transfer-vs-personal-loan/</guid><description>Compare the real cost of a 0% balance transfer and a fixed-rate personal loan, including fees, promo cliffs, and the break-even math.</description><pubDate>Tue, 29 Sep 2026 00:00:00 GMT</pubDate><language>en-us</language><lastBuildDate>Sun, 25 Oct 2026 18:12:01 GMT</lastBuildDate><category>Credit cards</category></item><item><title>How to Build a Debt Payoff Plan You Will Actually Finish</title><link>https://debt-payoff-hub.pages.dev/blog/how-to-build-a-debt-payoff-plan/</link><guid isPermaLink="true">https://debt-payoff-hub.pages.dev/blog/how-to-build-a-debt-payoff-plan/</guid><description>A step-by-step process for inventorying debts, setting a sustainable payment, automating the plan, and handling setbacks without abandoning it.</description><pubDate>Tue, 22 Sep 2026 00:00:00 GMT</pubDate><language>en-us</language><lastBuildDate>Sun, 25 Oct 2026 18:12:01 GMT</lastBuildDate><category>Debt payoff</category></item><item><title>The Minimum Payment Trap: Why Credit Card Balances Barely Move</title><link>https://debt-payoff-hub.pages.dev/blog/minimum-payment-trap-credit-cards/</link><guid isPermaLink="true">https://debt-payoff-hub.pages.dev/blog/minimum-payment-trap-credit-cards/</guid><description>How credit card minimum payments are calculated, why a 2% minimum can leave a balance growing, and the exact payment you need to escape the trap.</description><pubDate>Tue, 15 Sep 2026 00:00:00 GMT</pubDate><language>en-us</language><lastBuildDate>Sun, 25 Oct 2026 18:12:01 GMT</lastBuildDate><category>Credit cards</category></item><item><title>Snowball vs Avalanche: Which Debt Payoff Method Actually Finishes Faster?</title><link>https://debt-payoff-hub.pages.dev/blog/snowball-vs-avalanche-which-method-pays-off-debt-faster/</link><guid isPermaLink="true">https://debt-payoff-hub.pages.dev/blog/snowball-vs-avalanche-which-method-pays-off-debt-faster/</guid><description>A math-first comparison of the snowball and avalanche methods, including worked examples, the size of the interest gap, and how to choose based on your actual debts.</description><pubDate>Tue, 08 Sep 2026 00:00:00 GMT</pubDate><language>en-us</language><lastBuildDate>Sun, 25 Oct 2026 18:12:01 GMT</lastBuildDate><category>Debt payoff</category></item></channel></rss>