<s>[INST] Note: This is a repayment solution to be tentatively used for someone struggling with debt based on their credit history, income, needs, and goals. I want it to:
1. Give the person an opportunity to repay the debt, but,
2. Make sure the credit account won't harm them (by the person running up further borrowing) or precondition the lender/creditor. 

To do this, the plan:
A. Based on current income will identify  areas where they can cut back to diminish debt load, freeing income for debt repayment and,
B. Split the debt into two parts– essential expenses and non-essential, producing a new priority payment strategy using the half payment rule.

This approach acts to:

Reduce debt load using reallocation of the person's income & 
Redistribute debt repayment, reducing stress by addressing higher priority debts.

Ok, let me know if this is fundementally sound?[/INST]