Debt Consolidation Calculator
Roll high-interest debts into one lower monthly payment. See your savings instantly.
Your current debts
Consolidation loan
Estimated interest savings
$0
Total debt
$24,700
Current payment
$780/mo
New payment
$229/mo
Monthly savings
$551
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This is an estimate for educational purposes only. Not a commitment to lend.
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Toll Free: 1-866-666-2378 (866-666-BEST)
Frequently asked questions
Can I consolidate debt with a mortgage refinance?
Yes — a cash-out refinance can pay off higher-rate debts, often at a much lower interest rate than credit cards.
Will consolidating hurt my credit?
Short-term impact from a hard inquiry is usually minor, and paying off revolving balances typically improves your score over time.
Are there risks to consolidation?
You're converting unsecured debt to secured debt against your home, and stretching the term may increase total interest if you don't stay disciplined.