return  credit report check-up
 All About Credit and Credit Types
 About Applying for Credit
 Establishing Credit
 Maintaining Good Credit
 Repairing Your Credit
 Budget Planning and Management
 Setting Up a Spending Plan
 Lowering Your Monthly Bills
 Managing Your Debt
 Managing Credit Card Debt
 Managing Personal Loan Debt
 Managing Home Mortgage Debt
 Print "Credit Summary Booklet"
 Print "Budgeting Forms"
 Use Budgeting Worksheet
 Use Electronic Budgeting
 About Your Credit Report
 What Makes Up a Credit Score
 Avoiding ID Theft
Find Debt Reduction Help
Debt Reduction Notes
note: steps for reducing and paying off credit card debt
note: steps for reducing and paying off student loan payments
note: use your mutual loans to
consolidate and payoff debt
note: use the equity in your home
to consolidate debt
Before You Exit Site



Personal Debt Management

Managing Personal Loan Debt

Installment loans include auto loans, recreational vehicle personal loans, student loans, and all other related fixed-rate loan repayment plans.

Your goal is to consolidate these loan under one repayment plan that pays off your total debt balance over a period of time.

  • Step 1:
    Use the worksheet at right to list your current installment loans debts.

  • Step 2:
    Hit "Calculate" to total your total loan debt.

  • Step 3:
    Analyze your repayment options below:
Installment Loans
Your total outstanding debt $:
   

   
Option 1:
select this option to calculate your monthly payment to payoff your debt by the number of years:

— enter the best interest rate you can receive

— enter the number of years you need to repay the debt

— press "calculate" to estimate your monthly repayment amount
 
Monthly Payment
   

   
Option 2:
or enter what you can afford each month and determine how long it would take to pay off your debt:

— enter the best interest rate that you can receive

— enter the amount you would like to pay

— press "calculate" to estimate the term in years (and months) to pay off this debt
 
Monthly Payment
   

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Credit and Debt Management

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