Do you have multiple debts to your name? Is having so many loans on your head getting you stressed out? Are you looking for a way to systematically pay down your debts to become EMI-free? There is a method called the debt avalanche that is used globally to pay down multiple debts – it is a slight twist on the earlier worksheet we did on the debt snowball. We have tweaked this method a bit to suit Indian financial conditions and have made this worksheet to help you pay down your debts.