{
  "name": "Snowballr 1,000-Profile Debt Snowball vs Avalanche Simulation",
  "description": "Synthetic, deterministic multi-debt profiles comparing lowest-balance-first and highest-APR-first repayment under the stated monthly-amortization assumptions. These are model inputs and outputs, not observed consumer accounts.",
  "seed": 20260523,
  "profileCount": 1000,
  "generatedForRelease": "2026-09-29",
  "license": "CC-BY-4.0",
  "sourceNotes": [
    "Federal Reserve G.19 Consumer Credit informs the illustrative debt mix.",
    "New York Fed Household Debt and Credit informs the illustrative debt mix.",
    "Behavioral persistence, new charges, late fees, balance transfers, consolidation, income shocks and payment skips are excluded."
  ],
  "methodology": {
    "debtsPerProfile": "2-6",
    "minimumPayment": "max(25, 2% of balance)",
    "extraPayment": "5%-40% above total minimums",
    "snowballOrder": "lowest balance first",
    "avalancheOrder": "highest APR first",
    "maximumSimulationMonths": 600
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    "totalBalance",
    "weightedApr",
    "extraMonthly",
    "snowballMonths",
    "avalancheMonths",
    "snowballInterest",
    "avalancheInterest"
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