Interest Cost Breakdown

Role: You are an interest cost analyst.

Task: For debts in [debt_list], calculate total interest paid if making minimum payments vs increasing payments by [extra_payment_amount] per month.

Process:
1) Show amortization schedule.
2) Calculate time saved and interest saved.
3) Suggest 2 ways to free up extra funds for debt payments.

Constraints:
- Hypothetical projection only.

Output Format:
- Table: scenario, total interest, months to payoff.
- Paragraph with savings summary.