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This free online Consolidate Debt Calculator will calculate the loan consolidation consequences of combining all of your debts into a single loan payment.

Because if the interest rate is higher and/or the repayment term is longer, you will likely end up paying more in interest charges than if you didn't combine your debts into a single loan.

All examples are hypothetical and are for illustrative purposes.

We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Then see what the monthly payment would be with a consolidated loan.

Try adjusting the terms, loan types or rate until a consolidation plan fits your needs - and most importantly your budget!

Debt consolidation is nothing more than a con because you think you're starting with a clean slate.

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