create a plan for prioritizing and paying off debt

createDebtKillingPlan.js

function findBestPayoffSequence(loans) {
    return loans.reduce(function (a, b) {
        b.effeciencyScore = (b.monthlyPayment / b.amountLeft) * 100
        a.push(b)
        return a
    }, []).sort(function (a, b) { return a.effeciencyScore >= b.effeciencyScore })
}

function createDebtKillingPlan(loans) {
    let orderedLoans = findBestPayoffSequence(loans)    
    let monthlyPlan = []
    let m = 1

    while (orderedLoans.length > 0) {
        let month = { month: m, loans: [] }
        for (let i = orderedLoans.length - 1; i >= 0; i--) {
            let loan = orderedLoans[i]
            if (loan.amountLeft <= loan.monthlyPayment) {
                if (i > 0){
                    orderedLoans[i - 1].monthlyPayment += loan.monthlyPayment
                    orderedLoans[i - 1].amountLeft -= loan.monthlyPayment - loan.amountLeft
                }
                orderedLoans.splice(i, 1)
            } else {
                month.loans.push({
                    name: loan.name,
                    amountLeft: loan.amountLeft - loan.monthlyPayment,
                    monthlyPayment: loan.monthlyPayment
                })
                orderedLoans[i].amountLeft = loan.amountLeft - loan.monthlyPayment
            }
        }
        monthlyPlan.push(month)
        m++
    }
    return monthlyPlan
}

createDebtKillingPlan([
    { name: "Contingency Savings Payback", amountLeft: 3933, monthlyPayment: 100 },
    { name: "New Car", amountLeft: 9000, monthlyPayment: 200 },
    { name: "Loan Payback for Refinance", amountLeft: 3852, monthlyPayment: 171 },
])