An Algorithm to Renegotiate Debt through Equivalent Equations and Transaction Costs: A Proposal for the Field of Financial Education

Frequently, the shadow of financial insolvency is present in economies, whether between countries, companies or the general population (people) who contract the obligation of a loan, credit or other debt. Debt restructuring is one of the most effective financial tools to face this. Through mathematical modeling with algorithms designed for the inclusion of the variable transaction cost coefficient (TCC) and transaction cost amount (TCA), it was possible to demonstrate the feasibility to modify: V od to V od adjusted and Y 1...j = V od / V nsp to Y 1...j = V od adjusted / V nsp.