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ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

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Debt Consolidation Calculator

Consider your options with a debt consolidation calculator.

When you’re considering whether to consolidate credit cards and loans in order to lower your monthly payments, a debt consolidation calculator can help.

Consolidating loans and debts may be a good option — especially with interest rates at historic lows. The purpose of loan consolidation is to pay off one or more loans or credit card balances with money from a new loan with a lower interest rate. A debt consolidation calculator can help you determine if consolidating your debts will actually result in a lower monthly payment.

But consolidating loans is not always the most advantageous option when you have accumulated a lot of debt – especially if you have not address the behavior or situations that caused you to get into debt initially. Many individuals and families who consolidate loans and credit cards in order to lower debt often find that, after a few years, they still owe just as much money or even more.

Whether you’re looking for a debt consolidation calculator or for help determining the pros and cons of loan consolidation, American Consumer Credit Counseling (ACCC) can help. We’re a nonprofit organization dedicated to providing free credit counseling and financial advice about managing money, as well as a wealth of free educational materials and tools like a debt consolidation calculator.

Find a debt consolidation calculator at ACCC

At ACCC, you’ll find our debt consolidation calculator under the financial education section of our website. To determine whether consolidation is a good idea for you, simply enter in your current debts, your monthly payments, and the interest rate on each debt, then click submit. The debt consolidation calculator will determine if consolidation would help you save money on interest rates and if you could reduce your monthly payment.

Along with a debt consolidation calculator, you’ll find dozens of other calculators and tools to help you plan for retirement, determine how much car you can afford, budget your income and expenses, and manage your money more effectively.

Consult with a specialist about your debt consolidation calculator results.

ACCC offers counseling and low-cost debt management programs to help you pay off your debt more quickly and learn to live debt-free. Our highly trained and certified credit counselors can walk you through all of your options for debt consolidation, and help you use our debt consolidation calculator. We can also point you to other available resources, and suggest alternate ways of paying down your debt based on your financial situation and goals.

Consult our debt consolidation calculator and get more information about private loan consolidation and debt consolidation for credit card balances.

See if our Debt Management Program is right for you Should you consolidate your debt? See how much it really costs to use your credit cards

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