This document presents a comic summary of an academic article that proposes an algorithm for renegotiating debt through equivalent equations and transaction costs. The comic outlines how John, a debtor, and Sarah, a creditor, use the algorithm to restructure John's debt into three hypothetical scenarios with different payment schemes that account for inflation, interest rates, and transaction costs. The goal of the debt restructuring model is to balance the needs of both the debtor to defer payments and the creditor to receive additional interest and fees.