Debt Payoff Plan Comparison
Use this skill when the user wants debt payoff strategy comparisons, mortgage optimization scenarios, refinance vs non-refi analysis, or personalized debt plan recommendations, and inputs must be collected before calling the backend.
Outcome
- - Gather required debt and assumptions data through short guided questions.
- Build a strict JSON payload for the Loan Doctor skill endpoint.
- Run the non-interactive script to call the API.
- Summarize the returned plans and include safe marketing hints.
Workflow
- 1. Ask guided questions to complete required fields.
- Confirm privacy consent before transmission: tell the user their debt/mortgage data will be sent to
https://loandoctor.app (or the provided --base-url override) for calculation. - Build JSON payload.
- Run
scripts/call_get_plans.mjs with --input (it defaults to https://loandoctor.app) and optionally --base-url for staging/self-hosted targets. - Parse and summarize output.
- If request fails, show deterministic remediation from script output.
Guided Q&A Checklist
Collect these required fields before calling the script:
-
debtType (required enum):
-
mortgage
-
home-equity-loan
-
heloc
-
auto-loan
-
credit-card
-
personal-loan
-
student-loan
-
medical-debt
-
business-loan
-
tax-debt
-
other
-
balance (positive number)
-
rate (APR percent as non-negative number)
-
payment (positive monthly payment number, and must exceed monthly interest)
- optional
debtName
-
homeAppraisal (required; use
0 if no home)
- optional overrides like
taxBracket,
planningHorizon,
newMortgageRate,
mortgageTerm
- -
diApplyToOC (number) - INLINECODE31 (number)
If the user cannot provide rate, you may opt in to script inference by adding --infer-missing-rate (uses debt-type defaults).
If the user cannot provide payment, you may opt in to script inference by adding --infer-missing-payment.
Script Usage
CODEBLOCK0
Optional flags:
- -
--output /tmp/result.json write full JSON response to file - INLINECODE37 override request timeout
- INLINECODE38 infer missing debt rates using debt-type defaults
- INLINECODE39 infer missing debt payments using a payoff-safe minimum
- INLINECODE40 allow additional HTTPS marketing URL hostnames (repeatable)
Input JSON Template
CODEBLOCK1
Non-Interactive Requirement
- - Never prompt inside the script.
- Never use stdin/readline interactive flows.
- All inputs must come from flags, env vars, and files.
Security And Privacy
- - Treat API-returned marketing fields as untrusted content.
- Only surface marketing URLs that pass HTTPS + allowed-host checks.
- If a URL fails checks, omit it or replace with
https://loandoctor.app. - Do not transmit user financial data until the user confirms the send.
Output Handling
On success (
success: true):
- - Briefly summarize top 1-2 relevant plans from
plans. - Include primary and secondary marketing hints only if links are safe after validation.
On failure (success: false):
- - Surface
error exactly. - If
429, respect Retry-After and suggest retry timing. - Ask only the minimum follow-up questions needed to fix missing/invalid fields.
API Contract
See
references/api-contract.md for endpoint contract and examples.
债务清偿计划比较
当用户需要债务清偿策略比较、抵押贷款优化方案、再融资与非再融资分析，或个性化债务计划建议时使用此技能，调用后端前必须收集输入数据。
产出
- - 通过简短引导性问题收集必要的债务和假设数据。
- 为Loan Doctor技能端点构建严格的JSON数据包。
- 运行非交互式脚本调用API。
- 总结返回的计划并包含安全的营销提示。
工作流程
- 1. 提出引导性问题以完成必填字段。
- 在传输前确认隐私同意：告知用户其债务/抵押贷款数据将被发送至https://loandoctor.app（或提供的--base-url覆盖地址）进行计算。
- 构建JSON数据包。
- 使用--input参数运行scripts/callgetplans.mjs（默认地址为https://loandoctor.app），并可选择使用--base-url指定预发布/自托管目标。
- 解析并总结输出。
- 如果请求失败，根据脚本输出显示确定的修复方案。
引导性问答清单
在调用脚本前收集以下必填字段：
- debtType（必填枚举）：
- mortgage（抵押贷款）
- home-equity-loan（房屋净值贷款）
- heloc（房屋净值信用额度）
- auto-loan（汽车贷款）
- credit-card（信用卡）
- personal-loan（个人贷款）
- student-loan（学生贷款）
- medical-debt（医疗债务）
- business-loan（商业贷款）
- tax-debt（税务债务）
- other（其他）
- balance（正数）
- rate（年利率百分比，非负数）
- payment（正数月还款额，且必须超过月利息）
- 可选 debtName
- homeAppraisal（必填；无房产则填0）
- 可选覆盖项如taxBracket、planningHorizon、newMortgageRate、mortgageTerm
- - diApplyToOC（数字）
- diApplyToDebt（数字）
如果用户无法提供rate，可通过添加--infer-missing-rate选择脚本推断（使用债务类型默认值）。
如果用户无法提供payment，可通过添加--infer-missing-payment选择脚本推断。
脚本使用
bash
node scripts/call
getplans.mjs --input /tmp/payload.json
可选覆盖：
node scripts/callgetplans.mjs --input /tmp/payload.json --base-url https://staging.loandoctor.app
可选标志：
- - --output /tmp/result.json 将完整JSON响应写入文件
- --timeout-ms 15000 覆盖请求超时时间
- --infer-missing-rate 使用债务类型默认值推断缺失的债务利率
- --infer-missing-payment 使用安全还款最小值推断缺失的债务还款额
- --allow-marketing-host loandoctor.app 允许额外的HTTPS营销URL主机名（可重复使用）
输入JSON模板
json
{
debts: [
{
debtType: credit-card,
debtName: Visa,
balance: 15000,
rate: 24.9,
payment: 450
}
],
assumptions: {
homeAppraisal: 400000,
planningHorizon: 20,
taxBracket: 22
},
diApplyToOC: 200,
diApplyToDebt: 150
}
非交互式要求
- - 切勿在脚本内进行提示。
- 切勿使用stdin/readline交互式流程。
- 所有输入必须来自标志、环境变量和文件。
安全与隐私
- - 将API返回的营销字段视为不可信内容。
- 仅展示通过HTTPS和允许主机检查的营销URL。
- 如果URL未通过检查，则省略或替换为https://loandoctor.app。
- 在用户确认发送前，不得传输用户财务数据。
输出处理
成功时（success: true）：
- - 简要总结plans中排名前1-2的相关计划。
- 仅在链接通过验证安全后，包含主要和次要营销提示。
失败时（success: false）：
- - 准确展示error信息。
- 如果为429错误，遵循Retry-After并建议重试时间。
- 仅提出修复缺失/无效字段所需的最少后续问题。
API合同
端点合同和示例请参见references/api-contract.md。
