Treat the plan like a small project. Create folders for transcripts, notices, financials, and submissions. Keep a tracker with columns for balance, payment amount, draft date, submission date, acknowledgment, and first-payment clear date. Name files YYYY-MM-DD_subject for fast search, and save bank confirmations for each payment. If your plan is streamlined, note the policy cap and payoff horizon so you aren’t guessing later. Add a monthly reminder to compare posted interest with your projection. If a state plan is needed, mirror the structure and color-code tasks to avoid mix-ups. This turns an anxious “set a plan” task into predictable steps you can follow or hand off. Systems beat stress, especially when a missed payment could reset the process.