{"text_format":"1","workbook":"xlsx","n_sheets":5,"sheets":["Introduction","Debt Repayment Schedule","FORM","LOOKUPS","Sample Debt Data"],"not_rendered":{"charts":0,"images":4,"macros":1,"external_links":1,"defined_names":29,"comments":1,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Introduction","index":0,"n_rows":44,"n_cols":5,"rows_kept":44,"cut":false,"hidden":false,"merged":[[1,1,1,7],[3,1,3,7]]}
[]
[null,"TT20 Debt-Elimination Schedule with Accelerator"]
[null,null,null,null,"2019-10-01"]
[null,"Personal Finance: Another Perspective"]
[]
[null,"Purpose:"]
[null,"The purpose of this spreadsheet is to give an Excel template for calculating"]
[null,"how quickly you can pay off debts if you paid the most expensive debts off first (Ashton) "]
[null,"or the shortest payoff first (Ramsey).  It also assumes you continue making the same"]
[null,"same payment each month even after you have paid off a specific loan.  It also helps with"]
[null,"the impact and savings of paying off loans early and using an accelerator."]
[]
[null,"Instructions:"]
[null,"1) First clear the form by clicking on the \"1. Clear Form\" button. "]
[null,"2) Once the form has been cleared, add your debt to the worksheet."]
[null,"This can be done in one of 2 ways. You can click on the \"2. Add Debt\" button and  "]
[null,"type in the information one account at a time, or you can go to the "]
[null,"\"Sample Debt Data\" tab and put all the information in there, and then copy it to the"]
[null,"\"Debt Repayment Schedule\" tab cell \"B11\".  "]
[null,"3) Calculate the payments for your debt by ensuring that the Beginning Month,"]
[null,"Beginning Year, and Accelerator fields are filled in correctly and clicking "]
[null,"on the \"3. Calculate\" button."]
[null,"4) (Optional) Once the calculation of the payments has been made, you can"]
[null,"add additional \"one-off\" payments to any month by typing the additional amount"]
[null," (above and beyond the accelerator amount) into the"]
[null,"Additional Payments column that corresponds to the month that you will make "]
[null,"the payment. Once you have added the amount simply click the "]
[null,"\"4. Calculate with Additional Payments\" button."]
[null,"5) Review the summary information provided in the yellow boxes at the top left "]
[null,"of the form and the individual payment information for each loan and each month "]
[null,"in comments for the cells. "]
[]
[null,"Disclosure:"]
[null,"The purpose of this spreadsheet and this class is to help you get your financial house in"]
[null,"order and to help you on your road to financial self-reliance.  If there are mistakes in this "]
[null,"spreadsheet, please bring them to our attention and we will correct them in upcoming "]
[null,"versions.  The teacher, and BYU, specifically disclaim any liability, or responsibility for "]
[null,"claims, loss, or risk incurred, directly or indirectly, from using this material."]
[]
[null,"Special Thanks:"]
[null,"Special thanks to Ammon Shumway and Jason Hollingsworth who put"]
[null,"the original programming together for this spreadsheet.  Also, thanks to Cory Ramage "]
[null,"and Gove Allen who revised the programming and added functionality. We appreciate "]
[null,"their expertise and willingness to share their work with this class."]

{"sheet":"Debt Repayment Schedule","index":1,"n_rows":354,"n_cols":27,"rows_kept":354,"cut":false,"hidden":false,"merged":[[0,0,0,5]]}
["Debt-Elimination Spreadsheet with Accelerator (LT20)"]
[]
["Total Debt",{"$f":"SUM(B12:Y12)","v":204434},"Beginning Month:","January",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pay highest interest loan first"]
["Total Interest Paid",{"$f":"SUM(B354:F354)","v":123571.8282213151},"Beginning Year:",2019,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pay smallest balance first"]
["Total Interest and Principle",{"$f":"B4+B3","v":328005.82822131511},"Accelerator:",0,null,null,"  Accelerator is an every month additional payment and goes in cell \"D5.\"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
["Minimum Payments/Month",{"$f":"+SUM(B16:U16)","v":1739.9984134996753},"Beginning Month",{"$f":"A17","v":"2019-01-01"},null,null," One time payments go in the Additional Payments Column"]
["Months Paid Off Early",{"$f":"COUNTIF(H$17:H$352, \"-\")","v":147},"Ending Month",{"$f":"DATE_PAID","v":"2034-09-01"}]
["Date Paid Off","2034-09-01","Years to Pay Off",{"$f":"(D7-D6)/365","v":15.676712328767124}]
["Total Interest Saved",103565.99,"Years Paid Early",{"$f":"MONTHS_EARLY/12","v":12.25}]
[]
["Debt:","AMEX Credit Card","Visa Credit Card","RC Willeys","Mortgage","Auto Loan"]
["Balance Due",2820,2135,1490,190843,7146]
["APR",0.22600000000000001,0.2215,0.182,6.5000000000000002E-2,4.9000000000000002E-2]
["Monthly  Interest Rate",{"$f":"(B$13)/12","v":1.8833333333333334E-2},{"$f":"(C$13)/12","v":1.8458333333333334E-2},{"$f":"(D$13)/12","v":1.5166666666666667E-2},{"$f":"(E$13)/12","v":5.4166666666666669E-3},{"$f":"(F$13)/12","v":4.0833333333333338E-3}]
["# of months to pay off",62.42,12,30.1,335.65,47.58]
["Scheduled Payment Amount:",{"$f":"PMT(B14,15:15,B12)*-1","v":77.198561957103962},{"$f":"PMT(C14,15:15,C12)*-1","v":199.97816066592014},{"$f":"PMT(D14,15:15,D12)*-1","v":62.025623771976043},{"$f":"PMT(E14,15:15,E12)*-1","v":1235.2395628579397},{"$f":"PMT(F14,15:15,F12)*-1","v":165.55650424673541},null,"Total Monthly Payments","Additional Payments"]
["2019-01-01",77.198599999999999,199.97819999999999,62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2019-02-01",77.198599999999999,199.97819999999999,62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2019-03-01",77.198599999999999,199.97819999999999,62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2019-04-01",77.198599999999999,199.97819999999999,62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2019-05-01",77.198599999999999,199.97819999999999,62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2019-06-01",77.198599999999999,199.97819999999999,62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2019-07-01",77.198599999999999,199.97819999999999,62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2019-08-01",77.198599999999999,199.97819999999999,62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2019-09-01",77.198599999999999,199.97819999999999,62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2019-10-01",77.198599999999999,199.97819999999999,62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2019-11-01",77.198599999999999,199.97819999999999,62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2019-12-01",77.199123002178425,199.97767699782156,62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2020-01-01",277.17679999999996,"-",62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2020-02-01",277.17679999999996,"-",62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2020-03-01",277.17679999999996,"-",62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2020-04-01",277.17679999999996,"-",62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2020-05-01",277.17679999999996,"-",62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2020-06-01",277.17679999999996,"-",62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2020-07-01",277.17679999999996,"-",62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2020-08-01",277.17679999999996,"-",62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2020-09-01",277.17679999999996,"-",62.025599999999997,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2020-10-01",269.94803731574177,"-",69.254362684258183,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2020-11-01","-","-",339.20240000000001,1235.2396000000001,165.5565,null,1739.9984999999999,"-"]
["2020-12-01","-","-",131.98718715919216,1442.454812840808,165.5565,null,1739.9985000000001,"-"]
["2021-01-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2021-02-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2021-03-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2021-04-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2021-05-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2021-06-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2021-07-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2021-08-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2021-09-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2021-10-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2021-11-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2021-12-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2022-01-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2022-02-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2022-03-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2022-04-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2022-05-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2022-06-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2022-07-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2022-08-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2022-09-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2022-10-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2022-11-01","-","-","-",1574.442,165.5565,null,1739.9984999999999,"-"]
["2022-12-01","-","-","-",1643.8933441801501,96.105155819849841,null,1739.9984999999999,"-"]
["2023-01-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2023-02-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2023-03-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2023-04-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2023-05-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2023-06-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2023-07-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2023-08-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2023-09-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2023-10-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2023-11-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2023-12-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2024-01-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2024-02-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2024-03-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2024-04-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2024-05-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2024-06-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2024-07-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2024-08-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2024-09-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2024-10-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2024-11-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2024-12-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2025-01-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2025-02-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2025-03-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2025-04-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2025-05-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2025-06-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2025-07-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2025-08-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2025-09-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2025-10-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2025-11-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2025-12-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2026-01-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2026-02-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2026-03-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2026-04-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2026-05-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2026-06-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2026-07-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2026-08-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2026-09-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2026-10-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2026-11-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2026-12-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2027-01-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2027-02-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2027-03-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2027-04-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2027-05-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2027-06-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2027-07-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2027-08-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2027-09-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2027-10-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2027-11-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2027-12-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2028-01-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2028-02-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2028-03-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2028-04-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2028-05-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2028-06-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2028-07-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2028-08-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2028-09-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2028-10-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2028-11-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2028-12-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2029-01-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2029-02-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2029-03-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2029-04-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2029-05-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2029-06-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2029-07-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2029-08-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2029-09-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2029-10-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2029-11-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2029-12-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2030-01-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2030-02-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2030-03-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2030-04-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2030-05-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2030-06-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2030-07-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2030-08-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2030-09-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2030-10-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2030-11-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2030-12-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2031-01-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2031-02-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2031-03-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2031-04-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2031-05-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2031-06-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2031-07-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2031-08-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2031-09-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2031-10-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2031-11-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2031-12-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2032-01-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2032-02-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2032-03-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2032-04-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2032-05-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2032-06-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2032-07-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2032-08-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2032-09-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2032-10-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2032-11-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2032-12-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2033-01-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2033-02-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2033-03-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2033-04-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2033-05-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2033-06-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2033-07-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2033-08-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2033-09-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2033-10-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2033-11-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2033-12-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2034-01-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2034-02-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2034-03-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2034-04-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2034-05-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2034-06-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2034-07-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2034-08-01","-","-","-",1739.9985000000001,"-",null,1739.9985000000001,"-"]
["2034-09-01","-","-","-",886.11022131495156,"-",null,886.11022131495156,"-"]
["2034-10-01","-","-","-","-","-",null,"-","-"]
["2034-11-01","-","-","-","-","-",null,"-","-"]
["2034-12-01","-","-","-","-","-",null,"-","-"]
["2035-01-01","-","-","-","-","-",null,"-","-"]
["2035-02-01","-","-","-","-","-",null,"-","-"]
["2035-03-01","-","-","-","-","-",null,"-","-"]
["2035-04-01","-","-","-","-","-",null,"-","-"]
["2035-05-01","-","-","-","-","-",null,"-","-"]
["2035-06-01","-","-","-","-","-",null,"-","-"]
["2035-07-01","-","-","-","-","-",null,"-","-"]
["2035-08-01","-","-","-","-","-",null,"-","-"]
["2035-09-01","-","-","-","-","-",null,"-","-"]
["2035-10-01","-","-","-","-","-",null,"-","-"]
["2035-11-01","-","-","-","-","-",null,"-","-"]
["2035-12-01","-","-","-","-","-",null,"-","-"]
["2036-01-01","-","-","-","-","-",null,"-","-"]
["2036-02-01","-","-","-","-","-",null,"-","-"]
["2036-03-01","-","-","-","-","-",null,"-","-"]
["2036-04-01","-","-","-","-","-",null,"-","-"]
["2036-05-01","-","-","-","-","-",null,"-","-"]
["2036-06-01","-","-","-","-","-",null,"-","-"]
["2036-07-01","-","-","-","-","-",null,"-","-"]
["2036-08-01","-","-","-","-","-",null,"-","-"]
["2036-09-01","-","-","-","-","-",null,"-","-"]
["2036-10-01","-","-","-","-","-",null,"-","-"]
["2036-11-01","-","-","-","-","-",null,"-","-"]
["2036-12-01","-","-","-","-","-",null,"-","-"]
["2037-01-01","-","-","-","-","-",null,"-","-"]
["2037-02-01","-","-","-","-","-",null,"-","-"]
["2037-03-01","-","-","-","-","-",null,"-","-"]
["2037-04-01","-","-","-","-","-",null,"-","-"]
["2037-05-01","-","-","-","-","-",null,"-","-"]
["2037-06-01","-","-","-","-","-",null,"-","-"]
["2037-07-01","-","-","-","-","-",null,"-","-"]
["2037-08-01","-","-","-","-","-",null,"-","-"]
["2037-09-01","-","-","-","-","-",null,"-","-"]
["2037-10-01","-","-","-","-","-",null,"-","-"]
["2037-11-01","-","-","-","-","-",null,"-","-"]
["2037-12-01","-","-","-","-","-",null,"-","-"]
["2038-01-01","-","-","-","-","-",null,"-","-"]
["2038-02-01","-","-","-","-","-",null,"-","-"]
["2038-03-01","-","-","-","-","-",null,"-","-"]
["2038-04-01","-","-","-","-","-",null,"-","-"]
["2038-05-01","-","-","-","-","-",null,"-","-"]
["2038-06-01","-","-","-","-","-",null,"-","-"]
["2038-07-01","-","-","-","-","-",null,"-","-"]
["2038-08-01","-","-","-","-","-",null,"-","-"]
["2038-09-01","-","-","-","-","-",null,"-","-"]
["2038-10-01","-","-","-","-","-",null,"-","-"]
["2038-11-01","-","-","-","-","-",null,"-","-"]
["2038-12-01","-","-","-","-","-",null,"-","-"]
["2039-01-01","-","-","-","-","-",null,"-","-"]
["2039-02-01","-","-","-","-","-",null,"-","-"]
["2039-03-01","-","-","-","-","-",null,"-","-"]
["2039-04-01","-","-","-","-","-",null,"-","-"]
["2039-05-01","-","-","-","-","-",null,"-","-"]
["2039-06-01","-","-","-","-","-",null,"-","-"]
["2039-07-01","-","-","-","-","-",null,"-","-"]
["2039-08-01","-","-","-","-","-",null,"-","-"]
["2039-09-01","-","-","-","-","-",null,"-","-"]
["2039-10-01","-","-","-","-","-",null,"-","-"]
["2039-11-01","-","-","-","-","-",null,"-","-"]
["2039-12-01","-","-","-","-","-",null,"-","-"]
["2040-01-01","-","-","-","-","-",null,"-","-"]
["2040-02-01","-","-","-","-","-",null,"-","-"]
["2040-03-01","-","-","-","-","-",null,"-","-"]
["2040-04-01","-","-","-","-","-",null,"-","-"]
["2040-05-01","-","-","-","-","-",null,"-","-"]
["2040-06-01","-","-","-","-","-",null,"-","-"]
["2040-07-01","-","-","-","-","-",null,"-","-"]
["2040-08-01","-","-","-","-","-",null,"-","-"]
["2040-09-01","-","-","-","-","-",null,"-","-"]
["2040-10-01","-","-","-","-","-",null,"-","-"]
["2040-11-01","-","-","-","-","-",null,"-","-"]
["2040-12-01","-","-","-","-","-",null,"-","-"]
["2041-01-01","-","-","-","-","-",null,"-","-"]
["2041-02-01","-","-","-","-","-",null,"-","-"]
["2041-03-01","-","-","-","-","-",null,"-","-"]
["2041-04-01","-","-","-","-","-",null,"-","-"]
["2041-05-01","-","-","-","-","-",null,"-","-"]
["2041-06-01","-","-","-","-","-",null,"-","-"]
["2041-07-01","-","-","-","-","-",null,"-","-"]
["2041-08-01","-","-","-","-","-",null,"-","-"]
["2041-09-01","-","-","-","-","-",null,"-","-"]
["2041-10-01","-","-","-","-","-",null,"-","-"]
["2041-11-01","-","-","-","-","-",null,"-","-"]
["2041-12-01","-","-","-","-","-",null,"-","-"]
["2042-01-01","-","-","-","-","-",null,"-","-"]
["2042-02-01","-","-","-","-","-",null,"-","-"]
["2042-03-01","-","-","-","-","-",null,"-","-"]
["2042-04-01","-","-","-","-","-",null,"-","-"]
["2042-05-01","-","-","-","-","-",null,"-","-"]
["2042-06-01","-","-","-","-","-",null,"-","-"]
["2042-07-01","-","-","-","-","-",null,"-","-"]
["2042-08-01","-","-","-","-","-",null,"-","-"]
["2042-09-01","-","-","-","-","-",null,"-","-"]
["2042-10-01","-","-","-","-","-",null,"-","-"]
["2042-11-01","-","-","-","-","-",null,"-","-"]
["2042-12-01","-","-","-","-","-",null,"-","-"]
["2043-01-01","-","-","-","-","-",null,"-","-"]
["2043-02-01","-","-","-","-","-",null,"-","-"]
["2043-03-01","-","-","-","-","-",null,"-","-"]
["2043-04-01","-","-","-","-","-",null,"-","-"]
["2043-05-01","-","-","-","-","-",null,"-","-"]
["2043-06-01","-","-","-","-","-",null,"-","-"]
["2043-07-01","-","-","-","-","-",null,"-","-"]
["2043-08-01","-","-","-","-","-",null,"-","-"]
["2043-09-01","-","-","-","-","-",null,"-","-"]
["2043-10-01","-","-","-","-","-",null,"-","-"]
["2043-11-01","-","-","-","-","-",null,"-","-"]
["2043-12-01","-","-","-","-","-",null,"-","-"]
["2044-01-01","-","-","-","-","-",null,"-","-"]
["2044-02-01","-","-","-","-","-",null,"-","-"]
["2044-03-01","-","-","-","-","-",null,"-","-"]
["2044-04-01","-","-","-","-","-",null,"-","-"]
["2044-05-01","-","-","-","-","-",null,"-","-"]
["2044-06-01","-","-","-","-","-",null,"-","-"]
["2044-07-01","-","-","-","-","-",null,"-","-"]
["2044-08-01","-","-","-","-","-",null,"-","-"]
["2044-09-01","-","-","-","-","-",null,"-","-"]
["2044-10-01","-","-","-","-","-",null,"-","-"]
["2044-11-01","-","-","-","-","-",null,"-","-"]
["2044-12-01","-","-","-","-","-",null,"-","-"]
["2045-01-01","-","-","-","-","-",null,"-","-"]
["2045-02-01","-","-","-","-","-",null,"-","-"]
["2045-03-01","-","-","-","-","-",null,"-","-"]
["2045-04-01","-","-","-","-","-",null,"-","-"]
["2045-05-01","-","-","-","-","-",null,"-","-"]
["2045-06-01","-","-","-","-","-",null,"-","-"]
["2045-07-01","-","-","-","-","-",null,"-","-"]
["2045-08-01","-","-","-","-","-",null,"-","-"]
["2045-09-01","-","-","-","-","-",null,"-","-"]
["2045-10-01","-","-","-","-","-",null,"-","-"]
["2045-11-01","-","-","-","-","-",null,"-","-"]
["2045-12-01","-","-","-","-","-",null,"-","-"]
["2046-01-01","-","-","-","-","-",null,"-","-"]
["2046-02-01","-","-","-","-","-",null,"-","-"]
["2046-03-01","-","-","-","-","-",null,"-","-"]
["2046-04-01","-","-","-","-","-",null,"-","-"]
["2046-05-01","-","-","-","-","-",null,"-","-"]
["2046-06-01","-","-","-","-","-",null,"-","-"]
["2046-07-01","-","-","-","-","-",null,"-","-"]
["2046-08-01","-","-","-","-","-",null,"-","-"]
["2046-09-01","-","-","-","-","-",null,"-","-"]
["2046-10-01","-","-","-","-","-",null,"-","-"]
["2046-11-01","-","-","-","-","-",null,"-","-"]
["2046-12-01","-","-","-","-","-",null,"-","-"]
["Total Payments",{"$f":"SUM(B$17:B352)","v":3690.9229603179206},{"$f":"SUM(C$17:C352)","v":2399.7378769978213},{"$f":"SUM(D$17:D352)","v":1842.9815498434496},{"$f":"SUM(E$17:E352)","v":312194.9251783347},{"$f":"SUM(F$17:F352)","v":7877.260655819844},null,{"$f":"SUM(H$17:H352)","v":328005.8282213136}]
["Total Interest Paid",870.92296031791977,264.73787699782162,352.98154984345018,121351.92517833605,731.26065581984994,null,{"$f":"SUM(B354:F354)","v":123571.8282213151}]

{"sheet":"FORM","index":2,"n_rows":15,"n_cols":3,"rows_kept":15,"cut":false,"hidden":true,"merged":[]}
[]
[]
[null,null,"Name (What is the institution and type of debt?)"]
[]
[]
[null,null,"Balance (How much principal do you still owe?)"]
[]
[]
[null,null,"APR in % (What is your Annual Percentage Rate?)"]
[]
[]
[null,null,"Months to pay off (How many months will you be paying this loan?)"]
[]
[]
[null,null,"Minimum payment (What is your minimum payment?) * optional"]

{"sheet":"LOOKUPS","index":3,"n_rows":12,"n_cols":2,"rows_kept":12,"cut":false,"hidden":true,"merged":[]}
[1,"January"]
[2,"February"]
[3,"March"]
[4,"April"]
[5,"May"]
[6,"June"]
[7,"July"]
[8,"August"]
[9,"September"]
[10,"October"]
[11,"November"]
[12,"December"]

{"sheet":"Sample Debt Data","index":4,"n_rows":11,"n_cols":20,"rows_kept":11,"cut":false,"hidden":false,"merged":[[1,0,1,5],[3,0,3,5],[1,7,1,12]]}
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2019]
["Sample Debt Data for the Repayment System",null,null,null,null,null,null,"PowerPoint Data",null,null,null,null,null,null,null,2019,null,null,null,2020]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2020,null,null,null,2021]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2021]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2022]
["Visa Credit Card","RC Willeys","Auto Loan","AMEX Credit Card","Mortgage",null,null,"Credit Card","Dentist","Department Store","Piano","Auto"]
[2135,1490,7146,2820,190843,null,null,423,771,779,1230,3009]
[0.2215,0.182,4.9000000000000002E-2,0.22600000000000001,6.5000000000000002E-2,null,null,0.19,0.09,0.13,7.0000000000000007E-2,6.5000000000000002E-2]
[{"$f":"(A8)/12","v":1.8458333333333334E-2},{"$f":"(B8)/12","v":1.5166666666666667E-2},{"$f":"(C8)/12","v":4.0833333333333338E-3},{"$f":"(D8)/12","v":1.8833333333333334E-2},{"$f":"(E8)/12","v":5.4166666666666669E-3},null,null,{"$f":"(H$13)/12","v":0},{"$f":"(I$13)/12","v":0},{"$f":"(J$13)/12","v":0},{"$f":"(K$13)/12","v":0},{"$f":"(L$13)/12","v":0}]
[12,30.1,47.58,62.42,335.65,null,null,4,16.45,11.92,17.29,13.3]
[{"$f":"PMT(A9,10:10,A7)*-1","v":199.97816066592014},{"$f":"PMT(B9,10:10,B7)*-1","v":62.025623771976043},{"$f":"PMT(C9,10:10,C7)*-1","v":165.55650424673541},{"$f":"PMT(D9,10:10,D7)*-1","v":77.198561957103962},{"$f":"PMT(E9,10:10,E7)*-1","v":1235.2395628579397},null,null,{"$f":"PMT(H9,10:10,H7)*-1","v":105.75},{"$f":"PMT(I9,10:10,I7)*-1","v":46.869300911854104},{"$f":"PMT(J9,10:10,J7)*-1","v":65.352348993288587},{"$f":"PMT(K9,10:10,K7)*-1","v":71.139386928860617},{"$f":"PMT(L9,10:10,L7)*-1","v":226.24060150375939}]