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  <!-- Core pages -->
  <url>
    <loc>https://debtconsolidationapp.com/</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/assessment</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Scenario pages -->
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/credit-card-debt-good-credit</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/credit-card-debt-fair-credit</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/medical-debt-crisis</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/first-time-homebuyer-with-debt</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/balance-transfer-strategy-moderate-debt</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/overwhelmed-multiple-creditors</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/high-income-high-debt</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/debt-settlement-candidate</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/bankruptcy-last-resort</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/rebuilding-credit-after-hardship</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/student-loan-plus-credit-card-debt</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/gig-worker-irregular-income</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/recent-divorce-debt-division</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/retiree-fixed-income-debt</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/small-business-owner-personal-debt</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/payday-loan-trap</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/recent-job-loss-debt-emergency</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/young-professional-early-debt</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/high-debt-to-income-ratio</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/debt-free-in-two-years</loc>
    <lastmod>2025-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Settlement-focused scenario pages -->
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/denied-consolidation-loan-settlement-option</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/minimum-payment-trap-high-interest-debt</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/single-parent-paycheck-to-paycheck-debt</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/two-income-household-drowning-in-debt</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/credit-card-debt-after-medical-emergency</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/maxed-out-cards-no-savings-settlement</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/high-interest-store-cards-personal-loans-settlement</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/layoff-accumulated-debt-settlement</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/overspending-lifestyle-debt-settlement</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://debtconsolidationapp.com/scenarios/self-employed-irregular-income-high-debt</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

</urlset>
