I have credit card debt
Balance transfers, consolidation, and which card to pay first.
Independent debt math · free
Find your fastest way out of debt
Run your own numbers. We show the total cost, fees included, and tell you when a loan would cost you more.
Worked example · 3 cards, $500/month
36 moAvalanche, highest rate first
$670Interest saved vs snowball
AvalancheSnowball
Rewards card $6,500 at 27.99% · Store card $1,200 at 19.99% · Travel card $4,800 at 22.49%. Use your numbers
Tool 1
Should you consolidate?
Compares a loan with what you already pay, fees included.
This loan costs you about $398 more.
Run your numbersTool 2
Snowball or avalanche?
Months to debt-free, interest saved and the order to pay.
| Method | Debt-free | Interest |
|---|---|---|
| Avalanche | Nov 2029 | $5,117 |
| Snowball | Dec 2029 | $5,787 |
Minimum payments only on the consolidation example: 44 yr 1 mo.
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Oct 29, 2026Independent
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