还款计划书范本 英文

标题：还款计划书

一、背景 Ladies and gentlemen, I am here to explain my repayment plan, and I hope you can understand and support it. I have always been diligent about paying my debts, but recently, I have found myself in a financial bind, and I need to come up with a plan to repay my debts.

二、现状 To be honest, my financial situation is not the best. I have a student loan, a credit card debt, and a car loan that I am trying to pay off. To make things worse, my job recently took a toll on my body, and I have been experiencing chronic pain, which has made it difficult for me to work.

三、计划

1.Repayment Strategy I have always been paying my debts on time, but I have been struggling to make ends meet. Therefore, I have come up with a repayment plan that will allow me to pay off my debts in a more manageable way.
2. Timeline My repayment plan is as follows: * Repay off the student loan first, as it is the highest interest debt. * Pay off the credit card debt within three months of the student loan repayment. * Pay off the car loan within six months of the credit card debt repayment. * Continue making the minimum payments on the student loan until it is paid off. * Once the student loan is paid off, I will start making payments on the credit card debt and car loan.
3. Budget To make this repayment plan work, I have had to cut back on unnecessary expenses. I have reduced my spending on dining out, shopping, and entertainment. In addition, I have started looking for cheaper health insurance options to cover my chronic pain.
4. Support I understand that this plan will not be easy, and I may not be able to repay all of my debts in a short period. However, I am committed to working hard and making my payments on time. I have always been responsible about my finances, and I hope you can support me in this difficult time. In conclusion, I have come up with a repayment plan to pay off my debts. I know it will not be easy, but I am confident that I can stick to it. I appreciate your understanding and support in this matter. Thank you.