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Pay Off Debt
Lower your interest rate, simplify your payments, and build a clear debt payoff plan. Compare consolidation loans, balance transfer cards, and free payoff calculators.
Your action plan
01
List all your debts
Write down every debt with balance, interest rate, and minimum payment. Sort by interest rate, highest first.
02
Choose a strategy
Avalanche (highest rate first) saves the most money. Snowball (smallest balance first) builds momentum. Both work — pick one and stick to it.
03
Consider consolidation
If you have good credit (670+), a personal loan at 7–12% APR can replace credit card debt at 24%+.
04
Use a balance transfer card
0% APR for 15–21 months gives you a interest-free runway to pay down the principal fast.
💡 Key insight
Consolidating $15,000 of credit card debt (24% APR) into a personal loan at 10% APR saves approximately $2,100 in interest over 3 years.