Smart Debt Restructuring Coach

Absence of apps providing personalized debt restructuring plans that simulate debt payoff strategies factoring in interest rates, payment flexibility, and financial goals.

Core Features

Essential MVP functionality

Customized debt payoff simulations based on user financial data

Strategic recommendations on when to refinance or consolidate debt

Interest-saving calculators comparing multiple payoff methods

Alerts for payment due dates, and potential savings on accelerated payments

Negotiation script templates and direct connection to credit counselors

Scenario planning for life changes impacting debt repayment ability

Marketing Strategy

Reach your target audience

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TikTok: "Slash your debt faster with smart restructuring" / "See how different payoff strategies save you thousands"

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Target individuals with multiple debts, credit card users

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Reddit: r/personalfinance (16M members, popular debt advice community)r/personalfinance

Why It Works

Key success factors

✓Provides clarity and control in managing complex debt situations, empowering users with actionable, data-driven restructuring plans that adapt to their real-life changes.

✓[netguru+1](https://www.

✓netguru.

Competitor Gap

Existing Apps:

Debt manager

Debt payoff

Monetization

Model

freemium

Freemium with premium features for debt negotiation support and advisor access

Copy AI Prompts

Lifetime access$49 one-time