Debt
How to Pay Off Credit Card Debt
A step-by-step plan to get rid of credit card debt: stop the growth, pick a payoff strategy, and see exactly when you'll be free.
· 3 min read
Watch the full explanation
60-second read
Personal Loans: Consolidation & The Honest Math
See the mathThe full explanation: Personal Loans: Consolidation & The Honest Math
Explainers
What personal loans are, when consolidation actually helps, the fee trap to avoid, and how to run the numbers before you sign.
The key numbers
Typical APRs
8–36%
The spread is wide — your rate depends heavily on credit and the lender.
Origination fees
1–8%
An upfront charge that can erase the 'lower rate' win if you don't check it.
New payments
Fixed
A predictable monthly payment replaces the minimum-payment treadmill.
Try the tool
🏦 Loan Repayment Calculator
Estimate monthly payments for any fixed-rate loan. Put your own numbers in and see the result instantly — it runs entirely in your browser.
Frequently asked questions
Often, yes — if the loan's APR plus its fees ends up clearly below the card rate, and you don't run the card back up. The all-in cost is what matters: rate × balance plus any upfront fee. Compare that to the card's total interest before deciding.
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How long until this debt is gone — and at what cost?