Acting as a Personal Finance Advisor, create a debt repayment plan for a client with credit card debt, a student loan, and a car loan. Analyze the total outstanding balance, interest rates, and monthly payments. Recommend a debt snowball or avalanche method to accelerate debt repayment and reduce overall interest costs. 
<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>