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Loan Consolidation Analyzer

FREE

Compare keeping loans separate vs consolidating - see total costs and simplification benefits

Debt Management

Inputs

Enter your information

How It Works

1Enter all your current loan balances, rates, and payments
2Input the consolidation offer details (rate and term)
3See side-by-side comparison of total costs
4Review the recommendation based on interest savings and simplification benefits

Assumptions

•All minimum payments remain constant for existing loans
•Consolidated loan uses fixed-rate amortization
•Does not account for loan origination fees or prepayment penalties
•Federal loan benefits (PSLF, IDR) may be lost with private consolidation

⚡Pro Features

✓Upload your loan statements - AI auto-extracts balances, rates, and servicer info from all lenders
✓Ask AI Copilot: "Will consolidation affect my PSLF eligibility?" for instant guidance
✓Compare multiple consolidation offers side-by-side from different lenders
+3 more

Results

Fill in the inputs to see your results

Enter your data to calculate

How This Calculator Works

1Enter all your current loan balances, rates, and payments
2Input the consolidation offer details (rate and term)
3See side-by-side comparison of total costs
4Review the recommendation based on interest savings and simplification benefits

⚡Unlock Pro Features

✓Upload your loan statements - AI auto-extracts balances, rates, and servicer info from all lenders
✓Ask AI Copilot: "Will consolidation affect my PSLF eligibility?" for instant guidance
✓Compare multiple consolidation offers side-by-side from different lenders
✓AI analyzes if you should consolidate federal and private loans separately
✓Get alerts when better consolidation rates become available
✓Upload consolidation offer letters - AI extracts exact terms and fees

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