Debt Payoff Method Advisor

Which payoff approach fits your balances, rates, and psychology? Ranked for your situation — with the honest tradeoffs attached.

Educational tool — not credit counseling, debt-relief, or legal advice. For one-on-one help, a nonprofit credit counselor (NFCC or FCAA member) is free or low-cost; talk to one before signing anything with a for-profit debt-relief company.

Your debt pictureresults update live — no account needed, no AI

Highest interest rate you carryWhere are payments today?What keeps you going?In your own words (optional)Recognized signals become chips — click each one to set how much it counts.

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Your position

0/4

Total debt (excluding mortgage)

Credit score ballpark

How many separate debts?

Own a home with equity?

Ranking confidence Early read (24%) · Answer next: payment status, top rate, motivation style

How these results work

Each approach carries curated 0–100 scores on interest saved, stick-with-it-ness, added risk, and simplicity; your answers reshape them, and every card shows exactly which answers moved it.

Approval odds are scored separately from fit, so a great-fit option with a credit hurdle stays visible instead of vanishing — and the last-resort options appear with their warnings attached rather than being hidden.

Scores are computed instantly in your browser. Your answers are saved to your account only if you sign in; otherwise they stay on this device.

Scores start neutral — answer anything on the left and the list below re-ranks instantly.

Researched context is coming

This ranking is mechanical and instant. A research layer is planned on top: live balance-transfer and consolidation offers for your credit tier, your state’s garnishment and statute-of-limitations rules, and vetted nonprofit counselors.

Price my options

Current 0% promos and loan APRs for your credit tier

My state’s rules

Garnishment limits, statute of limitations, exemptions

Build my payoff order

Your debts sequenced with dates and interest totals

Planned — the instant ranking above never waits on it. Tell us which research you’d want first.

Educational only — not credit counseling, debt-relief, or legal advice. Numbers shown are typical ranges, not offers. A nonprofit credit counselor (NFCC/FCAA member) is the right first call for hands-on help. Scores are computed in your browser; answers are saved to your account only if you sign in.