Acting as a Personal Finance Consultant, evaluate a client’s current debt situation, including credit card balances, student loans, and a mortgage. Provide a debt repayment strategy using methods such as the debt snowball or debt avalanche. Suggest ways to negotiate lower interest rates or consolidate loans to reduce the overall financial burden. 
<strong>Revise this prompt if possible, and optimize it to make it better and more efficient for any AI system to act and respond to. 
If possible run your optimized version.</strong>