Debt repayment is something that most modern individuals may encounter with various institutions. Due in large part to advances in computing technologies, debt transactional data, in its many forms, can be tracked and used to provide meaningful feedback to users regarding repayment. For example, it may be helpful to visualize a user's debt payoff schedule in a graphical form that allows a user to view his/her debt payoff trends over time. Furthermore, it may be useful to utilize a user's debt data and repayment trends to guide a user on future debt transactions.