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{"sheet":"Data Entry","index":0,"n_rows":44,"n_cols":62,"rows_kept":44,"cut":false,"hidden":false,"merged":[[28,1,28,13],[15,1,15,6],[19,1,19,14],[20,1,20,14],[25,1,25,4],[27,1,27,18]]}
[null,"First time: Use the practice data provided to see how the program works. When you run the practice data, follow the steps 4 - 7 below."]
[]
[]
[null,"Step 1: Use the button above to clear the input data fields, then enter your loan data in these cells."]
[null,"Loans",1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48,49,50,51,52,53,54,55,56,57,58,59,60]
[null,"Name Of Loan\nUse button above to enter additional loan data.","Kwik Trip Credit Card","George's Chase Credit Card","Advance From Helen's Parents","Helen's Macey's Credit Card","American Express Credit Card","Helen's Beauford Loan","Auto Loan with GM","M&I Bank Loan","Helen's Stafford #1","Helen's Stafford #2","Advance From Uncle George's Retirement Account","Home Improvement Loan","George's Stafford #2","George's Sofi Refinance","Helen's Staford #3","Loan from Helen's Uncle Fred","Personal loan form George's uncle","George's Stafford #1","Advance From George's Parents","Loan From George's Brother"]
[null,"Current Balance",4000,12000,2000,15000,30000,12500,8000,10000,15000,11000,8500,3000,17000,25000,22000,7000,1200,20000,16500,3500]
[null,"Annual Rate",0.25,0.2,0.15,0.125,0.12,0.105,0.1,0.09,8.5000000000000006E-2,0.08,7.4999999999999997E-2,7.0000000000000007E-2,6.5000000000000002E-2,6.5000000000000002E-2,6.5000000000000002E-2,0.06,0.06,5.5E-2,4.7E-2,3.4000000000000002E-2]
[null,"Current Minimum Pmt",117.4,250,50,250,150,150,66.67,200,106.25,223,170,100,80,100,100,35,20,100,90,20]
[null,"Current Interest Pmt",{"$f":"IF(AND(StartBalance1>0,AnnualRate1>0,MinPmt1>=0),StartBalance1*AnnualRate1/12,0)","v":83.333333333333329},{"$f":"IF(AND(StartBalance2>0,AnnualRate2>0,MinPmt2>=0),StartBalance2*AnnualRate2/12,0)","v":200},{"$f":"IF(AND(StartBalance3>0,AnnualRate3>0,MinPmt3>=0),StartBalance3*AnnualRate3/12,0)","v":25},{"$f":"IF(AND(StartBalance4>0,AnnualRate4>0,MinPmt4>=0),StartBalance4*AnnualRate4/12,\"\")","v":156.25},{"$f":"IF(AND(StartBalance5>0,AnnualRate5>0,MinPmt5>=0),StartBalance5*AnnualRate5/12,0)","v":300},{"$f":"IF(AND(StartBalance6>0,AnnualRate6>0,MinPmt6>=0),StartBalance6*AnnualRate6/12,0)","v":109.375},{"$f":"IF(AND(StartBalance7>0,AnnualRate7>0,MinPmt7>=0),StartBalance7*AnnualRate7/12,0)","v":66.666666666666671},{"$f":"IF(AND(StartBalance8>0,AnnualRate8>0,MinPmt8>=0),StartBalance8*AnnualRate8/12,0)","v":75},{"$f":"IF(AND(StartBalance9>0,AnnualRate9>0,MinPmt9>=0),StartBalance9*AnnualRate9/12,0)","v":106.25},{"$f":"IF(AND(StartBalance10>0,AnnualRate10>0,MinPmt10>=0),StartBalance10*AnnualRate10/12,0)","v":73.333333333333329},{"$f":"IF(AND(StartBalance11>0,AnnualRate11>0,MinPmt11>=0),StartBalance11*AnnualRate11/12,0)","v":53.125},{"$f":"IF(AND(StartBalance12>0,AnnualRate12>0,MinPmt12>=0),StartBalance12*AnnualRate12/12,0)","v":17.500000000000004},{"$f":"IF(AND(StartBalance13>0,AnnualRate13>0,MinPmt13>=0),StartBalance13*AnnualRate13/12,0)","v":92.083333333333329},{"$f":"IF(AND(StartBalance14>0,AnnualRate14>0,MinPmt14>=0),StartBalance14*AnnualRate14/12,0)","v":135.41666666666666},{"$f":"IF(AND(StartBalance15>0,AnnualRate15>0,MinPmt15>=0),StartBalance15*AnnualRate15/12,0)","v":119.16666666666667},{"$f":"IF(AND(StartBalance16>0,AnnualRate16>0,MinPmt16>=0),StartBalance16*AnnualRate16/12,0)","v":35},{"$f":"IF(AND(StartBalance17>0,AnnualRate17>0,MinPmt17>=0),StartBalance17*AnnualRate17/12,0)","v":6},{"$f":"IF(AND(StartBalance18>0,AnnualRate18>0,MinPmt18>=0),StartBalance18*AnnualRate18/12,0)","v":91.666666666666671},{"$f":"IF(AND(StartBalance19>0,AnnualRate19>0,MinPmt19>=0),StartBalance19*AnnualRate19/12,0)","v":64.625},{"$f":"IF(AND(StartBalance20>0,AnnualRate20>0,MinPmt20>=0),StartBalance20*AnnualRate20/12,0)","v":9.9166666666666679},{"$f":"IF(AND(StartBalance21>0,AnnualRate21>0,MinPmt21>=0),StartBalance21*AnnualRate21/12,0)","v":0},{"$f":"IF(AND(StartBalance22>0,AnnualRate22>0,MinPmt22>=0),StartBalance22*AnnualRate22/12,0)","v":0},{"$f":"IF(AND(StartBalance23>0,AnnualRate23>0,MinPmt23>=0),StartBalance23*AnnualRate23/12,0)","v":0},{"$f":"IF(AND(StartBalance24>0,AnnualRate24>0,MinPmt24>=0),StartBalance24*AnnualRate24/12,0)","v":0},{"$f":"IF(AND(StartBalance25>0,AnnualRate25>0,MinPmt25>=0),StartBalance25*AnnualRate25/12,0)","v":0},{"$f":"IF(AND(StartBalance26>0,AnnualRate26>0,MinPmt26>=0),StartBalance26*AnnualRate26/12,0)","v":0},{"$f":"IF(AND(StartBalance27>0,AnnualRate27>0,MinPmt27>=0),StartBalance27*AnnualRate27/12,0)","v":0},{"$f":"IF(AND(StartBalance28>0,AnnualRate28>0,MinPmt28>=0),StartBalance28*AnnualRate28/12,0)","v":0},{"$f":"IF(AND(StartBalance29>0,AnnualRate29>0,MinPmt29>=0),StartBalance29*AnnualRate29/12,0)","v":0},{"$f":"IF(AND(StartBalance30>0,AnnualRate30>0,MinPmt30>=0),StartBalance30*AnnualRate30/12,0)","v":0},{"$f":"IF(AND(StartBalance31>0,AnnualRate31>0,MinPmt31>=0),StartBalance31*AnnualRate31/12,0)","v":0},{"$f":"IF(AND(StartBalance32>0,AnnualRate32>0,MinPmt32>=0),StartBalance32*AnnualRate32/12,0)","v":0},{"$f":"IF(AND(StartBalance33>0,AnnualRate33>0,MinPmt33>=0),StartBalance33*AnnualRate33/12,0)","v":0},{"$f":"IF(AND(StartBalance34>0,AnnualRate34>0,MinPmt34>=0),StartBalance34*AnnualRate34/12,0)","v":0},{"$f":"IF(AND(StartBalance35>0,AnnualRate35>0,MinPmt35>=0),StartBalance35*AnnualRate35/12,0)","v":0},{"$f":"IF(AND(StartBalance36>0,AnnualRate36>0,MinPmt36>=0),StartBalance36*AnnualRate36/12,0)","v":0},{"$f":"IF(AND(StartBalance37>0,AnnualRate37>0,MinPmt37>=0),StartBalance37*AnnualRate37/12,0)","v":0},{"$f":"IF(AND(StartBalance38>0,AnnualRate38>0,MinPmt38>=0),StartBalance38*AnnualRate38/12,0)","v":0},{"$f":"IF(AND(StartBalance39>0,AnnualRate39>0,MinPmt39>=0),StartBalance39*AnnualRate39/12,0)","v":0},{"$f":"IF(AND(StartBalance40>0,AnnualRate40>0,MinPmt40>=0),StartBalance40*AnnualRate40/12,0)","v":0},{"$f":"IF(AND(StartBalance41>0,AnnualRate41>0,MinPmt41>=0),StartBalance41*AnnualRate41/12,0)","v":0},{"$f":"IF(AND(StartBalance42>0,AnnualRate42>0,MinPmt42>=0),StartBalance42*AnnualRate42/12,0)","v":0},{"$f":"IF(AND(StartBalance43>0,AnnualRate43>0,MinPmt43>=0),StartBalance43*AnnualRate43/12,0)","v":0},{"$f":"IF(AND(StartBalance44>0,AnnualRate44>0,MinPmt44>=0),StartBalance44*AnnualRate44/12,0)","v":0},{"$f":"IF(AND(StartBalance45>0,AnnualRate45>0,MinPmt45>=0),StartBalance45*AnnualRate45/12,0)","v":0},{"$f":"IF(AND(StartBalance46>0,AnnualRate46>0,MinPmt46>=0),StartBalance46*AnnualRate46/12,0)","v":0},{"$f":"IF(AND(StartBalance47>0,AnnualRate47>0,MinPmt47>=0),StartBalance47*AnnualRate47/12,0)","v":0},{"$f":"IF(AND(StartBalance48>0,AnnualRate48>0,MinPmt48>=0),StartBalance48*AnnualRate48/12,0)","v":0},{"$f":"IF(AND(StartBalance49>0,AnnualRate49>0,MinPmt49>=0),StartBalance49*AnnualRate49/12,0)","v":0},{"$f":"IF(AND(StartBalance50>0,AnnualRate50>0,MinPmt50>=0),StartBalance50*AnnualRate50/12,0)","v":0},{"$f":"IF(AND(StartBalance51>0,AnnualRate51>0,MinPmt51>=0),StartBalance51*AnnualRate51/12,0)","v":0},{"$f":"IF(AND(StartBalance52>0,AnnualRate52>0,MinPmt52>=0),StartBalance52*AnnualRate52/12,0)","v":0},{"$f":"IF(AND(StartBalance53>0,AnnualRate53>0,MinPmt53>=0),StartBalance53*AnnualRate53/12,0)","v":0},{"$f":"IF(AND(StartBalance54>0,AnnualRate54>0,MinPmt54>=0),StartBalance54*AnnualRate54/12,0)","v":0},{"$f":"IF(AND(StartBalance55>0,AnnualRate55>0,MinPmt55>=0),StartBalance55*AnnualRate55/12,0)","v":0},{"$f":"IF(AND(StartBalance56>0,AnnualRate56>0,MinPmt56>=0),StartBalance56*AnnualRate56/12,0)","v":0},{"$f":"IF(AND(StartBalance57>0,AnnualRate57>0,MinPmt57>=0),StartBalance57*AnnualRate57/12,0)","v":0},{"$f":"IF(AND(StartBalance58>0,AnnualRate58>0,MinPmt58>=0),StartBalance58*AnnualRate58/12,0)","v":0},{"$f":"IF(AND(StartBalance59>0,AnnualRate59>0,MinPmt59>=0),StartBalance59*AnnualRate59/12,0)","v":0},{"$f":"IF(AND(StartBalance60>0,AnnualRate60>0,MinPmt60>=0),StartBalance60*AnnualRate60/12,0)","v":0}]
[null,"Change to 'TRUE\" if  Mimimum Pmt is Interest Only",false,false,false,false,false,false,true,false,true,false,false,false,false,false,false,true,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false,false]
[null,"Total of the Minimum Pmts",{"$f":"SUM(C9:BJ9)","v":2378.3199999999997}]
[null,"Total Current Interest Pmts",{"$f":"SUM(C10:BJ10)","v":1819.7083333333335}]
[null,"Total Debt",{"$f":"SUM(C7:BJ7)","v":243200}]
[]
[null,"Step 2: Enter the total amount you can afford to pay now."]
[null,"Amount",3000]
[null,"Initial Excess",{"$f":"MaxTotalPmt1-TotalMinPmts","v":621.68000000000029}]
[]
[null,"Step 3: If you can afford to pay more later, enter these amounts and the months the new payments will start below."]
[null,"If you do not wish to speculate about what you can afford to pay in the future leave these cells blank."]
[null,null,"Amount","Start Month"]
[null,"First New Total Pmt Amount"]
[null,"Second New Total Pmt Amount"]
[]
[null,"Step 4: Click the button to Analyze Your Data."]
[]
[null,"Step 5: Open the 'Comparisons' sheet to view payoff times for each loan, and to evaluate comparisons in runs where you have changed the initial data set."]
[null,"Each time you run a data set, you can view the payments for the best approach by opening the 'PMT Data' sheet."]
[]
[null,"Step 6: If this is your first time with the practice data: "]
[null,null,"a.  In order to see the total interest associated with each payoff option, look at the 'Interest By Approach' sheet."]
[null,null,"b. To see a complete set of payments for the best payoff option for each run look at the 'PMT Data' sheet."]
[null,null,"c. To see how comparisons related to baseline are made, change some of the minimum payments or some of"]
[null,null,null,"the total payment values and click the 'Analyze Your Data' button. When asked, be sure to indicate that"]
[null,null,null,"these runs are not baseline runs. On the comparison sheet hover over the cells in the 'changes as comments' "]
[null,null,null,"column to see the record of the changes you have made."]
[null,null,"d. To make new comparisons against the same baseline click the 'Restore Your Baseline Data' button and repeat step c above. "]
[]
[null,"Step 7: You are done with the practice data. Get the list of all of your loans with the interest rate, the current balance, and the minimum payment for each loan."]
[null,null,"be sure to click the 'Help' button beside the 'Current Minimum Payment' column and read the explanation. Go to step 1 and follow "]
[null,null,"instructions."]
[]
[null,"© Humbert G Sullivan 2020"]

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[null,null,null,null,null,"Payoff Methods"]
[null,null,null,null,null,"Excess is the total pmt net of the minimum payments."]
[null,null,null,null,null,"The Debt Blaster will analyze what will happen to your loans when you apply the monthly excess in each of the following ways:"]
[null,null,null,null,null,null,"1. To the active loan with the highest rate. This has been called the Avalanche Method."]
[null,null,null,null,null,null,"2. To the active loan with the smallest balance. This has been called the Snowball Method."]
[null,null,null,null,null,null,"3. To the active loan with the largest balance"]
[null,null,null,null,null,null,"4. Proportional to the magnitued of each active loan's rate."]
[null,null,null,null,null,null,"5. To the active loan with the largest interest pmt."]
[null,null,null,null,null,null,"6. Proportional to the magnitued of of each active loans interest pmt."]
[null,null,null,null,null,null,"7. Equally among active loans."]
[null,null,null,null,null,null,"8. According to the size of the initial balances of active loans -- largest to smallest."]
[null,null,null,null,null,null,"9. According to the size of the initial balances of active loans -- smallest to largest. Also called the Snowball Method."]
[null,null,null,null,null,"Change\nin\nInterest","Changes\nas\nComment","Initial Total Pmt","2nd Total Pmt","Start Mo. For 2nd Total Pmt","3rd Total Pmt","Start Mo. For 3rd Total Pmt","Best Payoff Option/s","Total Interest Pmt for best Payoff option","Years to Payoff All Loans","Years to Payoff Loan 1","Years to Payoff Loan 2","Years to Payoff Loan 3","Years to Payoff Loan 4","Years to Payoff Loan 5","Years to Payoff Loan 6","Years to Payoff Loan 7","Years to Payoff Loan 8","Years to Payoff Loan 9","Years to Payoff Loan 10","Years to Payoff Loan 11","Years to Payoff Loan 12","Years to Payoff Loan 13","Years to Payoff Loan 14","Years to Payoff Loan 15","Years to Payoff Loan 16","Years to Payoff Loan 17","Years to Payoff Loan 18","Years to Payoff Loan 19","Years to Payoff Loan 20","Years to Payoff Loan 21","Years to Payoff Loan 22","Years to Payoff Loan 23","Years to Payoff Loan 24","Years to Payoff Loan 25","Years to Payoff Loan 26","Years to Payoff Loan 27","Years to Payoff Loan 28","Years to Payoff Loan 29","Years to Payoff Loan 30","Years to Payoff Loan 31","Years to Payoff Loan 32","Years to Payoff Loan 33","Years to Payoff Loan 34","Years to Payoff Loan 35","Years to Payoff Loan 36","Years to Payoff Loan 37","Years to Payoff Loan 38","Years to Payoff Loan 39","Years to Payoff Loan 40","Years to Payoff Loan 41","Years to Payoff Loan 42","Years to Payoff Loan 43","Years to Payoff Loan 44","Years to Payoff Loan 45","Years to Payoff Loan 46","Years to Payoff Loan 47","Years to Payoff Loan 48","Years to Payoff Loan 49","Years to Payoff Loan 50","Years to Payoff Loan 51","Years to Payoff Loan 52","Years to Payoff Loan 53","Years to Payoff Loan 54","Years to Payoff Loan 55","Years to Payoff Loan 56","Years to Payoff Loan 57","Years to Payoff Loan 58","Years to Payoff Loan 59","Years to Payoff Loan 60"]
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[null,null,null,"Trial Set Of Practice Data To Be Sure Everything Works Correctly"]
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{"sheet":"Calculators","index":5,"n_rows":20,"n_cols":10,"rows_kept":20,"cut":false,"hidden":false,"merged":[[3,4,3,5],[3,8,3,9]]}
[1]
[2,null,null,null,"These calculators consider the individual loans by them self, as if you were paying off only the loan you select."]
[3]
[4,null,null,null,"Years to Payoff individual Loans",null,null,null,"Pmt to Payoff Individual loans in a given number of years"]
[5,null,null,null,"Loan Number",null,null,null,"Loan Number"]
[6,null,null,null,"Balance",null,null,null,"Balance"]
[7,null,null,null,"Ann. Rate",null,null,null,"Ann Rate"]
[8,null,null,null,"Min Pmt",null,null,null,"Years",1]
[9,null,null,null,"Years",{"$f":"IF(AND(Calc_Balance>0,Calc_AnnRate>0,Calc_MinPmt>0),NPER(Calc_AnnRate/12,Calc_MinPmt,-Calc_Balance,0)/12,\"\")","v":""},null,null,"Pmt",{"$f":"IF(Calc2_Balance>0,PMT(Calc2_AnnRate/12,J8*12,-Calc2_Balance),\"\")","v":""}]
[10]
[11]
[12]
[13]
[14]
[15]
[16]
[17]
[18]
[19]
[20]

{"sheet":"Interest Data","index":6,"n_rows":125,"n_cols":10,"rows_kept":125,"cut":false,"hidden":true,"merged":[]}
["Months","Rate Option","Smallest First","Largest First","Rate Weighted","Largest Int Pmt","Int Weighted","Equal","Largest Initial","Smallest Initial"]
[1,1819.71,1819.71,1819.71,1819.71,1819.71,1819.71,1819.71,1819.71,1819.71]
[2,3621.7700000000004,3631.6100000000006,3628.5,3628.3199999999997,3628.5,3629.0600000000004,3629.7900000000004,3628.5,3631.6100000000006]
[3,5405.84,5435.06,5426.2400000000007,5425.69,5426.2400000000007,5427.94,5430.13,5426.2400000000007,5435.06]
[4,7171.62,7225.7599999999993,7212.8499999999995,7211.69,7212.8499999999995,7216.23,7220.630000000001,7212.8499999999995,7225.7599999999993]
[5,8918.75,9003.5099999999984,8988.18,8986.1899999999987,8988.18,8993.84,9001.1899999999987,8988.18,9003.5099999999984]
[6,10646.88,10769.189999999997,10752.109999999999,10749.000000000002,10752.109999999999,10760.630000000001,10771.7,10752.109999999999,10769.189999999997]
[7,12356.289999999999,12526.290000000003,12504.539999999999,12500.03,12504.539999999999,12516.529999999999,12532.05,12504.539999999999,12526.290000000003]
[8,14049.130000000005,14274.720000000005,14245.360000000006,14239.069999999998,14245.360000000006,14261.4,14282.109999999999,14245.360000000006,14274.720000000005]
[9,15725.140000000001,16014.38,15974.42,15966.03,15974.42,15995.119999999997,16021.799999999997,15974.42,16014.38]
[10,17384.070000000003,17747.34,17691.620000000003,17680.71,17691.620000000003,17717.609999999997,17751.019999999997,17691.620000000003,17747.34]
[11,19025.649999999998,19473.759999999998,19396.789999999997,19383,19396.789999999997,19428.700000000004,19469.62,19396.789999999997,19473.759999999998]
[12,20649.650000000001,21193.609999999997,21092.71,21072.699999999997,21089.850000000002,21128.300000000003,21177.53,21089.850000000002,21193.609999999997]
[13,22255.829999999998,22906.85,22776.44,22749.7,22770.69,22816.26,22874.59,22770.69,22906.85]
[14,23843.880000000005,24603.83,24450.660000000007,24413.809999999998,24439.120000000003,24492.47,24560.699999999997,24439.120000000003,24603.83]
[15,25413.57,26279.25,26112.480000000003,26064.86,26095.07,26156.819999999996,26235.710000000003,26095.07,26279.25]
[16,26964.609999999997,27932.669999999995,27764.589999999997,27702.690000000002,27738.369999999995,27809.180000000008,27899.499999999996,27738.369999999995,27932.669999999995]
[17,28496.720000000005,29563.68,29404.080000000005,29327.14,29368.900000000005,29449.450000000004,29552,29368.900000000005,29563.68]
[18,30009.63,31180.809999999998,31030.81,30938.020000000004,30986.54,31077.470000000005,31193.059999999998,30986.54,31181.579999999998]
[19,31503.03,32788.439999999995,32647.46,32535.179999999997,32591.11,32693.120000000006,32822.509999999995,32591.11,32791.15]
[20,32976.639999999999,34386.520000000004,34251.110000000008,34118.39,34182.5,34296.28,34440.269999999997,34182.5,34392.350000000006]
[21,34433.93,35974.969999999994,35844.46,35687.530000000006,35760.559999999998,35886.799999999996,36046.18,35760.559999999998,35985.109999999993]
[22,35876.120000000003,37553.720000000008,37424.590000000004,37242.379999999997,37325.170000000006,37464.57,37640.14,37325.170000000006,37569.390000000007]
[23,37304.200000000004,39122.720000000001,38994.22,38782.76999999999,38876.19,39029.46,39221.97,38876.19,39145.14]
[24,38717.969999999994,40681,40553.209999999992,40308.51,40413.439999999995,40581.31,40791.549999999988,40413.439999999995,40712.26]
[25,40117.339999999997,42228.000000000007,42098.64,41819.590000000011,41936.81,42119.999999999993,42348.78,41936.81,42269.94]
[26,41502.17,43763.59,43633.219999999994,43315.879999999983,43442.01,43645.360000000008,43893.340000000004,43446.15,43815.67]
[27,42872.3,45287.7,45153.98,44797.30999999999,44932.880000000005,45157.310000000005,45424.750000000007,44941.280000000006,45349.34]
[28,44227.59,46800.189999999995,46663.609999999993,46266.02,46409.279999999992,46655.710000000006,46942.879999999997,46422.039999999994,46870.81]
[29,45567.920000000006,48301.14,48159.180000000008,47721.73000000001,47866.930000000008,48140.37999999999,48447.549999999996,47888.310000000005,48380.020000000004]
[30,46893.13,49791.380000000005,49643.35,49164.34,49309.659999999996,49611.19,49938.610000000008,49339.9,49876.850000000006]
[31,48203.079999999994,51270.840000000004,51116.039999999986,50593.700000000004,50737.35,51068.020000000011,51416.299999999996,50776.68,51361.19000000001]
[32,49497.64,52739.419999999991,52574.30999999999,52009.55999999999,52149.819999999992,52510.709999999992,52880.500000000007,52198.479999999996,52832.909999999996]
[33,50777.1,54197.020000000004,54020.810000000005,53411.7,53542.759999999995,53939.050000000017,54331.020000000004,53605.13,54292.3]
[34,52041.440000000002,55645.69,55455.47,54799.94999999999,54920.06,55352.709999999992,55767.68,54996.5,55741.040000000008]
[35,53290.1,57085.779999999992,56875.329999999994,56174.189999999995,56284.399999999994,56751.499999999985,57190.33,56371.999999999993,57179.020000000004]
[36,54522.920000000013,58517.240000000005,58283.1,57534.250000000007,57635.660000000011,58135.30000000001,58598.829999999994,57731.440000000017,58606.160000000018]
[37,55739.75,59940.030000000013,59678.670000000013,58879.979999999996,58970.42,59503.95,59992.990000000005,59074.65,60021.680000000008]
[38,56940.399999999987,61352.679999999993,61058.569999999985,60211.209999999992,60291.75999999998,60857.29,61372.62999999999,60401.409999999989,61424.659999999989]
[39,58124.759999999995,62751.32,62426.59,61527.819999999978,61599.58,62195.19000000001,62737.599999999999,61711.599999999991,62815.020000000004]
[40,59292.669999999991,64135.810000000005,63778.69,62829.659999999996,62890.439999999995,63517.49,64089.37,63004.999999999993,64192.639999999999]
[41,60443.990000000005,65506.03,65118,64116.53,64167.430000000008,64824.039999999994,65428.429999999993,64281.450000000012,65558.460000000006]
[42,61578.540000000008,66861.820000000007,66444.349999999991,65388.3,65430.41,66114.7,66754.609999999986,65540.72,66912.490000000005]
[43,62696.189999999995,68200.19,67754.369999999981,66644.779999999984,66679.249999999985,67389.239999999991,68067.789999999994,66782.669999999984,68251.709999999992]
[44,63796.759999999995,69510.27,69051.73000000001,67885.83,67913.799999999988,68647.599999999977,69367.869999999966,68007.06,69562.650000000009]
[45,64880.089999999989,70791.600000000006,70335.739999999991,69111.259999999995,69133.89,69889.58,70654.75,69213.710000000006,70844.850000000006]
[46,65946.02,72043.670000000013,71606.25,70320.94,70336.08,71115.030000000013,71928.26999999999,70402.42,72097.81]
[47,66994.41,73266.020000000019,72859.820000000007,71514.659999999974,71523.48,72325.310000000012,73188.3,71573.009999999995,73321.06]
[48,68025.069999999992,74459.990000000005,74100.179999999993,72692.249999999985,72695.920000000013,73520.28,74434.7,72725.260000000009,74516.000000000015]
[49,69037.83,75634.959999999992,75326.559999999998,73853.509999999995,73853.23000000001,74699.869999999966,75667.12,73861.14,75695.08]
[50,70032.559999999983,76790.759999999995,76538.869999999981,74997.73000000001,74995.279999999984,75864.100000000006,76885.47,74982.319999999992,76858.190000000017]
[51,71009.06,77927.180000000008,77733.599999999977,76124.039999999979,76118.59,77012.880000000019,78089.430000000022,76088.62,78005.17]
[52,71967.180000000022,79044.020000000019,78913.890000000014,77231.87,77226.240000000005,78146.080000000002,79278.930000000008,77179.89,79135.890000000029]
[53,72906.710000000006,80143.22,80079.59,78322.58,78318.069999999992,79263.549999999988,80453.830000000016,78255.98,80250.19]
[54,73827.510000000009,81226.009999999995,81230.559999999998,79399.299999999988,79392.73000000001,80365.17,81613.929999999978,79316.75,81344.66]
[55,74729.399999999994,82292.240000000005,82367.220000000016,80461.91,80451.210000000006,81450.809999999969,82759.12000000001,80362.030000000013,82418.990000000005]
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[58,77319.86,85404.82,85676.82,83564.00999999998,83528.50999999998,84609.329999999987,86101.02,83403.89,85528.3]
[59,78145.13,86427.38,86749.72,84569.060000000012,84520.1,85628.509999999966,87182.720000000016,84386.420000000013,86536.11]
[60,78952.53,87443.95,87803.73000000001,85559.43,85491.44,86630.659999999989,88247.99,85353.03,87530.55]
[61,79741.91,88454.51,88842.81,86535.01,86445.85000000002,87615.67,89296.65,86303.540000000008,88511.540000000008]
[62,80512.289999999994,89459.079999999987,89866.12,87495.939999999973,87385.329999999987,88583.469999999987,90328.540000000008,87239.979999999981,89479.00999999998]
[63,81263.439999999988,90457.62999999999,90875.78,88443.62999999999,88307.65,89533.929999999978,91343.44,88162.28,90432.86]
[64,81995.400000000009,91444.450000000012,91871.73,89378.00999999998,89214.85,90466.959999999992,92341.23,89070.35,91377.790000000008]
[65,82708.500000000015,92417.7,92854.23000000001,90298.939999999988,90107.17,91383.459999999977,93321.66,89964.460000000021,92316.510000000009]
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[78,90437.95,103970.98000000001,104241.82,101036.45,100232.69000000002,101886.10999999999,104801.43000000001,100263.97,103799.05]
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[80,91409.91,105602.99,105756.45,102486.22999999998,101535.87,103268.51000000001,106374.73999999999,101620.45,105429.49]
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{"sheet":"Utilities","index":7,"n_rows":69,"n_cols":21,"rows_kept":69,"cut":false,"hidden":true,"merged":[[2,5,2,9],[2,13,2,17]]}
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[null,null,null,null,null,null,null,null,"Warning! You cannot insert any rows or columns on this sheet. The code is written with cell row and column numbers and not with range names."]
[null,null,null,null,null,"Practice Data Set",null,null,null,null,null,null,null,"User Data Set For Baseline"]
[null,null,"Show the introduction",false,"Loan Names","Loan Number","Start Balance","Annual Rate","MinPmt","IsIntOnly",null,null,null,"Loan Number","Start Balance","Annual Rate","MinPmt","IsIntOnly"]
[null,null,null,null,"Kwik Trip Credit Card",1,4000,0.25,117.4,false,null,null,null,1,4000,0.25,117.4,false]
[null,null,null,null,"George's Chase Credit Card",2,12000,0.2,250,false,null,null,null,2,12000,0.2,250,false]
[null,null,null,null,"Advance From Helen's Parents",3,2000,0.15,50,false,null,null,null,3,2000,0.15,50,false]
[null,null,null,null,"Helen's Macey's Credit Card",4,15000,0.125,250,false,null,null,null,4,15000,0.125,250,false]
["Total min Pmt",{"$f":"SUM(I5:I64)","v":2258.3199999999997},null,null,"American Express Credit Card",5,30000,0.12,150,false,null,null,null,5,30000,0.12,150,false]
[null,null,null,null,"Helen's Beauford Loan",6,12500,0.105,150,false,null,null,null,6,12500,0.105,150,false]
[null,null,null,null,"Auto Loan with GM",7,8000,0.1,66.67,true,null,null,null,7,8000,0.1,66.67,true]
[null,null,null,null,"M&I Bank Loan",8,10000,0.09,80,false,null,null,null,8,10000,0.09,80,false]
[null,null,null,null,"Helen's Stafford #1",9,15000,8.5000000000000006E-2,106.25,true,null,null,null,9,15000,8.5000000000000006E-2,106.25,true]
[null,null,null,null,"Helen's Stafford #2",10,11000,0.08,223,false,null,null,null,10,11000,0.08,223,false]
[null,null,null,null,"Advance From Uncle George's Retirement Account",11,8500,7.4999999999999997E-2,170,false,null,null,null,11,8500,7.4999999999999997E-2,170,false]
[null,null,null,null,"Home Improvement Loan",12,3000,7.0000000000000007E-2,100,false,null,null,null,12,3000,7.0000000000000007E-2,100,false]
[null,null,null,null,"George's Stafford #2",13,17000,6.5000000000000002E-2,80,false,null,null,null,13,17000,6.5000000000000002E-2,80,false]
[null,null,null,null,"George's Sofi Refinance",14,25000,6.5000000000000002E-2,100,false,null,null,null,14,25000,6.5000000000000002E-2,100,false]
[null,null,null,null,"Helen's Staford #3",15,22000,6.5000000000000002E-2,100,false,null,null,null,15,22000,6.5000000000000002E-2,100,false]
[null,null,null,null,"Loan from Helen's Uncle Fred",16,7000,0.06,35,true,null,null,null,16,7000,0.06,35,true]
[null,null,null,null,"Personal loan form George's uncle",17,1200,0.06,20,false,null,null,null,17,1200,0.06,20,false]
[null,null,null,null,"George's Stafford #1",18,20000,5.5E-2,100,false,null,null,null,18,20000,5.5E-2,100,false]
[null,null,null,null,"Advance From George's Parents",19,16500,4.7E-2,90,false,null,null,null,19,16500,4.7E-2,90,false]
[null,null,null,null,"Loan From George's Brother",20,3500,3.4000000000000002E-2,20,false,null,null,null,20,3500,3.4000000000000002E-2,20,false]
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{"sheet":"Additional Info","index":8,"n_rows":60,"n_cols":6,"rows_kept":60,"cut":false,"hidden":true,"merged":[]}
[null,null,"Is Practice Data Showing",true,null,"Kwik Trip has insisted on a 5 year payoff and they wil no longer honor this card. The minimum payment is what is required to pay off in 5 years.\r\n\r\nTalk to sue in the corproate offices"]
[null,null,null,null,null,""]
[null,null,null,null,null,"I want this loan paid off in less than 5 years. The current minimum payment was selected to give a little over 4 and one half years. "]
[null,null,null,null,null,""]
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[null,null,null,null,null,"My uncle is OK with my just paying the interest until our financial situation improves. If things got really bad we might even be able to pay nothing and just let it accumulate interest. I am sure Uncle Fred would not think that is a smart move."]
[null,null,null,null,null,"Since this is a very small loan, my uncle might let us pay only interest for a awhile."]
[null,null,null,null,null,"My advisor at Navient has told me that he is willing to put this loan in payment defered status. I will not make any payments while it is on defered status, but it will acrue interest. I just don't like this so I am going to pay just a little over the interest."]
[null,null,null,null,null,"My parents are not concerned about how long it takes to pay this back. In order to be paying somethingl, I have agreeded to pay $90 per month. This would take around 27 years to pay off."]
[null,null,null,null,null,"My brother is not concerned about length of time for pay back. I want to pay something so I am paying 20 dollars per month."]
[null,null,null,null,null,"new test data"]
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