Debt Consolidation
Debt consolidation combines several debts into one new loan or balance-transfer card, ideally at a lower rate. It simplifies multiple payments into one and can cut interest — but it only helps if you avoid running the old balances back up.
A personal loan or 0% balance transfer are the usual tools. Consolidation treats the symptom, not the cause; pairing it with a spending plan is what turns it from a temporary breather into a real exit from debt.
Put it to work
Debt Payoff Calculator — Snowball vs Avalanche
Enter up to three debts and compare the snowball and avalanche strategies head-to-head: payoff dates, total interest, and what the difference costs.
Credit Card Payoff Calculator
How long to pay off your credit card at your current payment — and the exact monthly amount to be debt-free in 12, 24, or 36 months.
Loan Calculator
Calculate the monthly payment, total interest, and payoff date for any personal, auto, or fixed-rate loan — and see how extra payments shorten it.