Keep current debt
Monthly payment
Payoff time
Total interest
Total paid
Does consolidation actually save you money?
Compare your current payoff path with one fixed-rate consolidation loan—including the fee—not just the advertised monthly payment.
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Enter both plans to see the full cost, payoff time, and monthly payment side by side.
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Consolidation loan
Monthly payment
Payoff time
Interest + fees
Total paid
Total cost difference
Monthly payment change
Payoff time change
Explain these results
Assumptions: Your current balances are treated as one balance at the weighted average APR, with the same payment every month. The loan fee is paid separately at closing, not added to the amount borrowed. No new charges, late fees, or rate changes are included.