Debt Consolidator
Lower your payments, cut your interest rates, and simplify your financial life. See exactly how much you can save through mathematical consolidation.
Monthly Cash Flow Lift
$203.20
Current Monthly
$690.00
Proposed Monthly
$486.80
Efficiency Boost
Your interest rate drops from 16.1% to 8.5%.
Credit Score Impact
Moving from "revolving" credit cards to an "installment" loan often boosts your FICO score.
Rate Logic
Debt consolidation is a logistics tool, not a debt removal tool. The primary goal is to lower your weighted average interest rate, moving more of your monthly payment toward principal instead of interest.
Rate Arbitrage
Trading 24% credit card APR for an 8% personal loan is the fastest way to stop burning money on interest and accelerate principal payoff.
Frictionless
One due date. One login. One payment. Reducing financial friction reduces stress and makes it easier to stay committed to your goal.
The Freedom Checklist
Consolidation is only effective if you close the revolving credit lines or strictly observe a "no-new-charges" policy. Avoid the trap of double-debt.
Current Load
Sum of Interest
New Path
Lower APR
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