Stoia

Get Out of Debt: A Step-by-Step Path

A free, ordered path out of debt: pick snowball or avalanche, find the payoff date, and keep your credit intact while you do it. No sign-up.

For anyone carrying card balances, loans, or both.

  1. GuideDebt Snowball vs. Avalanche: Which Actually Gets You Debt-Free?Start here: pick the payoff order that you will actually stick with.
  2. Free toolDebt Payoff CalculatorList every balance and see your debt-free date under each method.
  3. Course step 5Pay Off Debt for GoodThe full playbook: high-interest first, minimums everywhere, credit repair.
  4. Free toolCredit Card Payoff CalculatorZoom in on the cards: what an extra $50 or $200 a month changes.
  5. GuideHow Credit Card Interest Is Calculated, With the Math on a $3,000 BalanceThe daily rate, the grace period you lose, and the minimum-payment trap.
  6. Free toolCredit Card Interest CalculatorSee this month's interest and how long minimum payments really take.
  7. GuideDebt-to-Income Ratio: The Number Lenders Check FirstKnow the number lenders judge you by while you pay things down.
  8. Free toolCredit Utilization CalculatorKeep utilization low so your score climbs as balances fall.
  9. Free toolBalance Transfer CalculatorCheck whether a 0% transfer beats grinding the current APR.
  10. Free toolDebt Consolidation CalculatorSee if one loan at a lower rate actually shortens the road.
  11. GuideDebt Consolidation: One Payment, Three Routes, and the Rule That Decides If It WorksConsolidation vs transfer vs a managed plan: pick the right route.
  12. GuideShould You Pay Off Your Car Loan Early? The Math on a 60-Month LoanExtra principal on a simple-interest loan, and when not to.

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