FinanceRateCalc

Free Tool ยท No Credit Check Required

Debt Consolidation Calculator

Enter your current debts below. See exactly how much you could save by combining them into one low monthly payment.

Your Current Debts

Consolidation Loan Terms

%
months

Current Monthly
Across all debts
New Monthly
Single payment
Monthly Savings
Financial data table
MetricCurrent DebtsConsolidated LoanDifference
๐Ÿ“‹ Banker's Checklist โ€” Before You Consolidate

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When consolidating debts, protect yourself with the right paperwork. LawDepot offers state-specific debt settlement letters and loan agreements โ€” ready in minutes.
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Your Monthly Savings
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Per Year
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Total Interest Saved
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Rates change daily โ€” lock yours in now

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Consolidation Rate?

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Consolidation Loan Schedule

Month-by-Month Payment Breakdown
Financial data table
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This calculator is provided for educational purposes only. Results are estimates based on the information entered and standard amortization formulas. Actual loan offers, interest rates, and terms will vary by lender and individual credit profile. This is not financial advice. Consult a licensed financial advisor before making debt consolidation decisions. Analysis by a FRC Research โ€” independent analysis of the federal record.

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๐Ÿ” Also explore: All FRC Tools ยท Lender Comparison ยท FHA by State ยท Lender Stress Index

The part almost nobody publishes free

Prices and rates are widely reported. Whether a lender says yes is not. In the complete 2025 federal record, denial rates across the 100 largest FHA lenders ran from 1.8% to 78.7% — same programme, same year.

And it is not simply who applies where: standardizing on state, loan amount, income, debt-to-income and loan-to-value, applicant mix explains only a 2.7× range in expected outcomes.

Which lenders approve most → Your metro → Denied? →

CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published per market, not all lenders. Historical observations, not predictions. CC BY 4.0, not independently reproduced.

The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.