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Debt Consolidation Calculator

Enter your current debts to see how long they’ll take to pay off — and what one consolidated monthly payment could look like instead.

Your current debts

Add each credit card or unsecured debt with its balance, interest rate, and the monthly payment you make now.

Balance ($)

APR (%)

Monthly ($)

Consolidated interest rate 12%

Consolidated payoff term 48 months

Your results

Estimates update as you type.

Enter at least one debt with a balance, APR, and monthly payment to see your comparison.

These figures are estimates for illustration only, based on the numbers you enter and fixed monthly payments. They are not a loan offer, a savings guarantee, or financial advice. Actual rates, terms, fees, and program availability depend on your situation and state.

Want real numbers instead of estimates?

A specialist can tell you exactly which programs you qualify for and what your actual monthly payment would be — free, in one short call.

Get My Free Evaluation

Takes about 60 seconds · 100% free · No credit score impact

Committed to helping residents nationwide to financial freedom. Free consultations, no upfront fees

Company

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Lender Information

Consumer Disclosure

USA Debt Relief Solutions provides an online service that allows consumers to explore debt consolidation loan options offered by independent third-party lenders and lending providers. USA Debt Relief Solutions is not a lender, does not make loans, and does not make credit or underwriting decisions.

Loan availability and eligibility are determined by participating providers based on their individual underwriting requirements. Submitting information through this website does not guarantee that you will receive a loan offer or qualify for any particular rate, term, payment amount or other financial outcome.

If a debt consolidation loan is not available, you may be presented with information about other financial products or services based on your circumstances.

Loan Disclosure

Annual Percentage Rates (APR) generally range from 5.90% to 35.99%, with repayment terms typically ranging from 12 to 84 months. Actual rates, loan amounts, repayment terms and fees depend on factors including credit profile, income, existing financial obligations, requested loan amount and provider underwriting criteria. Loan products and terms may not be available in all states.

Representative Loan Example

A $17,000 loan with a 5% origination fee ($850), a 53-month term and a 17.00% interest rate would have an APR of approximately 19.63%. You would receive $16,150 after the origination fee. Estimated monthly payments would be approximately $458.48, with approximately $7,299.44 in total interest and a total repayment amount of approximately $24,299.44.

Additional Information

USA Debt Relief Solutions does not make credit decisions or guarantee approval, rates, terms, savings or other financial outcomes. Information provided through this website is for general informational purposes and is not financial, legal, tax or credit advice.

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