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Debt Consolidation Calculator

Approximately how much unsecured debt would you like to consolidate?
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What state do you live in?
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What is your zip code?
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What is your approximate FICO credit score?
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How often do you receive a paycheck?
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How much do you receive in your paycheck BEFORE taxes?
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What amount can you afford to pay monthly for all your debt combined?
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Are you behind on any of your payments?
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Which of the following debt consolidation options seem most applicable to you? Choose at least one.
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Debt Settlement

Overview:

  • Credit score often lower than 620
  • Does not need cash today
  • Can not afford monthly payments

Best For:

  • Debt consolidated into one payment
  • No program fees until first debt resolved
  • Generally lower monthly payment
  • Ready to not incur new debts
  • Avoids bankruptcy

Potential Downsides:

  • Credit score often drops temporarily
  • Limited to those experiencing financial hardship
  • Accounts may be sent to collections

Installment Loan

Overview:

  • Credit score often higher than 620
  • Does need cash today
  • Can afford monthly payments

Best For:

  • Debt consolidated into one payment
  • Credit score generally stays intact if paid on time
  • Can receive a better interest rate than current debt
  • Can continue to incur more debt

Potential Downsides:

  • Can be difficult to put 100% of loan proceeds to pay off existing debt and not incur new debt
  • May have higher interest rates than existing debt
  • Origination fee may be high
Advertiser Disclosure

How the Site Works: Ascend's mission is to take the pain out of personal finance for everyone. Not everyone who comes to our site is currently best fit for the Ascend product, so we spend a great deal of time and effort finding partners that we hope will be beneficial to you.

How We Make Money: Our partners sometimes compensate us in the way of advertising. Some partners we recommend pay us referral fees for sending them new customers. If you click through an application link on our site and end up receiving the service, we may receive compensation when your application is approved, and you move forward with this product. Each partner is vetted based on the following criteria:

  1. We prioritize lower interest rate providers.
  2. We prioritize those who do not penalize checking your rate or have prepayment penalties.
  3. We prioritize those that are customer experience focused. We measure this by the reviews on more unbiased review sites.

Your Debt Consolidation Estimates

Based on the information provided, here are the estimates that we think are relevant to you. Please note that these are estimates only. To check qualification and rate, you would need to check with the lender directly, which you can access below.

Debt Consolidation

Debt Consolidation combines all your outstanding loans under a new interest rate. You are still responsible for paying the full balance of your debt, but you'll only have one creditor, and you may have an overall lower interest rate.
Partner Mo. Payment Min. Credit Score Est. APR Term Length

Debt Settlement

Debt Settlement is the process of renegotiating your total debt due and agreeing with your creditors on a new payment schedule. Usually, there is no more interest charged once a settlement has been agreed upon.
Partner Mo. Payment Min. Credit Score Est. APR Term Length

How we choose our partners:

  1. Prioritize lower interest rates
  2. No penalty to check rate or prepayment policies
  3. Customer experience focused (good reviews)
Advertiser Disclosure

How the Site Works: Ascend's mission is to take the pain out of personal finance for everyone. Not everyone who comes to our site is currently best fit for the Ascend product, so we spend a great deal of time and effort finding partners that we hope will be beneficial to you.

How We Make Money: Our partners sometimes compensate us in the way of advertising. Some partners we recommend pay us referral fees for sending them new customers. If you click through an application link on our site and end up receiving the service, we may receive compensation when your application is approved, and you move forward with this product. Each partner is vetted based on the following criteria:

  1. We prioritize lower interest rate providers.
  2. We prioritize those who do not penalize checking your rate or have prepayment penalties.
  3. We prioritize those that are customer experience focused. We measure this by the reviews on more unbiased review sites.
We're Sorry.

Unfortunately, we are unable to provide a recommendation for debt settlement or an installment loan based on the information provided. We'd still like to help with the pointers provided below!
  1. Credit Score: Do you know how your credit score works? If not, we at Ascend recommend Credit Karma, a company that offers free credit scores and credit report analyses!
  2. We Can Still Help! Once you have your credit information, you can schedule a call with us to discuss your financial situation. We'd like to review your credit score information and discuss next steps.
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Disclaimer: Ascend strives to keep its information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty, and estimated APR and other terms are not binding in any way. All loans presented on this page have a maximum APR of no greater than 35.99% with terms not less than 12 months to not more than 60 months. As an example, a $10,000 loan with an APR of 14.50% and a term of 36 months would cost $12,391.55 over the life of the loan. All rates are determined by the lender and must be agreed upon between the borrower and the borrower's chosen lender. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, and credit history. All loans are subject to credit review and approval. When evaluating offers, please review the lender and/or lending partner's Terms and Conditions for additional details.