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Loan Refinancing and Consolidation Analyzer
Compare your current debt(s) to a proposed refinance or consolidation loan over the same time horizon — payment, total cost, fees, break-even, and risk, side by side.
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Before You Begin
This tool produces an educational estimate, not a loan offer, approval prediction, or personalized lending advice. It never estimates your approval odds or advertises a specific lender's rate.
Federal student loans are never folded into the proposed loan — refinancing one with a private lender can permanently give up income-driven repayment and forgiveness options.
Add one debt for a single-loan refinance, or several for a consolidation — the comparison works the same way either way.
Everything you enter stays in your own browser on this device. We don't send it to a server or store it on our end. Closing your browser's site data, or using "Clear my data" below, permanently deletes it.
Your Results
Fill in what you have above, then select "Compare My Options" to see your results.
Comparison Results
Next Steps & What to Verify
Assumptions & Rules Used
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Know Someone Who Could Use This?
Did this help you think through a refinance or consolidation? Feel free to send them this link:
A friend comparing a lower payment against a longer loan term
Someone thinking about consolidating credit card debt
A homeowner weighing a cash-out refinance
Everything stays on their own device, so there's nothing to sign up for and nothing to lose by trying it. Help them on their journey to financial confidence.