Highest rate first, or smallest balance first — and what choosing the second one actually costs you.
Add up your recurring monthly debts — for a mortgage debt-to-income (DTI) check, a rent application, or a payoff plan.
Take-home from Salary, housing from Rent or Mortgage, debts from the debt calculator — and what is actually left.
Whether one loan actually beats paying your existing debts off as they are — measured against the best you could do without consolidating.
Build the inventory, find the one number that decides everything, cut your rates with scripts that work, and run the consolidation comparison honestly — with every figure computed.
Budget on the floor, pay yourself a fixed draw, and size the buffer on the worst ordering of your months — not the average. Computed, with the arithmetic shown.