Optimize Your Debt

Improve your debt-to-income ratio

Home Buying Journey

Journey progress

80% complete

Total Student Loan Balance ($) *

Average Interest Rate (%) *

Current Repayment Plan *

Current Monthly Payment ($)

Credit Card Debt ($)

Credit Card Interest Rate (%)

Car Loan Balance ($)

Car Loan Interest Rate (%)

Which debt payoff method appeals to you?

Avalanche Method

Pay highest interest rate debt first (saves most money)

Snowball Method

Pay smallest balance first (psychological wins)

Hybrid Approach

Mix of both methods based on your situation

How much extra can you pay toward debt each month? ($)

This is in addition to minimum payments

Target debt-free timeline

Avalanche Method: Saves the most money in interest over time.

Snowball Method: Provides psychological motivation with quick wins.

Extra Payments: Even $50 extra per month can save thousands!

Income-Driven Plans: Can lower payments if you're struggling.

Refinancing: May lower rates if you have good credit.

Employer Benefits: Some companies help with student loans.

Tax Benefits: Student loan interest may be deductible.