Payment relief, lifetime cost and payoff timing are separate outcomes. A lower rate alone does not establish a saving. Excluded debts keep their minimums. Review protected benefits before replacing federal student debt. No application or creditor contact occurs.

Offer funding receipt

Choose only the debts the lender can actually retire. The editor preserves excluded balances, rates and minimums so their payments remain in the new-plan comparison. A settled zero-balance row contributes no payment, active count or weighted-rate balance. A custom gross quote can be entered instead of the automatically sized loan. If its net proceeds fall short or leave unused borrowing, the receipt shows that difference and suppresses a definitive lifetime saving. It does not assume a creditor accepts a partial payoff.

Consolidation at current monthly budget

The original plan uses entered fixed minimums, without inventing a credit-card floor. Minimums alone shrink as individual debts finish. Avalanche and original-balance snowball keep the original active minimums plus entered extra as a fixed monthly budget, cascading unused cash in the same month. The separate matched-budget loan case is available only when that current budget covers all new minimums. The offered loan case includes the entered extra payment as well as minimums on retained debts.

Lifetime cost difference

Cost means modeled payments plus any cash fee. Financing cost means interest plus the origination fee, including a financed fee only once. Break-even compares cumulative financing costs, not a fee divided by payment relief. The first qualifying month must remain nonnegative until both schedules finish; otherwise no break-even is shown. An unfinished 600-month baseline does not establish a lifetime saving or a debt-free date. A borrower cash-flow rate is computed from the actual payment sequence and upfront proceeds; daily timing and other lender charges are outside this illustration.

Review sharing

No account numbers or creditor contact details are required. Use generic local labels. Ordinary edits do not save financial values or put them in the address bar. Remembering a draft and saving an offered scenario are deliberate device-local actions. Forget removes this calculator’s saved draft and offers. A clean share link is the default; the optional input-bearing link is displayed before copying. CSV and Print include assumptions, funding and all ledger rows, even when the screen shows only one page. Review the figures and source assumptions before using them for a real decision.