• The Problem: Mei Ling has a car loan, two credit cards, and a personal loan totaling RM150,000. Her total monthly debt payments equal RM2,500—consuming over 60% of her net salary. She feels suffocated.

• USP Spotlight: All-Debts Snowball + AKPK Integration + 100% Anonymous

How Mei Ling Uses the 3-Phase Engine:

• Phase 1: Diagnosis (Math)
  Mei Ling selects 📊 All Debts. She enters her total RM150,000 debt, RM2,500 combined monthly payments, an average 6.5% interest rate, and RM300 in extra monthly cashflow.

  • DIY Debt Snowball Results: Adding an extra RM300/month accelerates her payoff, saving 3.4 Years and thousands in interest.

  • Emergency Threshold Alert: If her monthly interest exceeds her payments, SettleHutang displays an AKPK Safety Alert advising her not to take high-risk personal consolidation loans.

• Phase 2: Execution (Bank Hacks)
  The engine presents two clear paths:

  • Path A (DIY Snowball Strategy): Pay minimums on all debts, throw the extra RM300 at the smallest debt balance first until cleared, then roll that full amount into the next debt.

  • Path B (AKPK DMP Enrollment): Clear instructions on applying for AKPK’s Debt Management Programme via customer.akpk.org.my to negotiate interest rate freezes across all participating Malaysian commercial banks.

• Phase 3: Habit Tracker
  Mei Ling saves her setup to her browser’s local memory. Without registering or submitting any personal data, she can track her progress every month.