Lighten

You've been paying for months. Why won't the balance move?

See exactly how much of your money goes to interest — and how fast you could be debt-free by consolidating. No signup.

Your situation today

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%
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Tip: paying only the minimum keeps you in debt the longest.

A consolidation loan instead

Rate depends on your credit — we'll match you to real offers.

What changes

Estimates · updates live
Staying put
Time to debt-free
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Total interest
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Monthly payment
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With Lighten
Time to debt-free
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Total interest
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Monthly payment
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See the offers matched to youSoft credit check · won't affect your score
How this works: figures are estimates based on your inputs and standard amortization math, not a loan offer. Actual rates, terms and approval depend on the lender and your credit. Lighten is a comparison service and may be compensated by lenders we refer you to; this never changes the math above, which is calculated purely from your numbers.