What matters most
- A lower rate helps only if you stop adding new balances.
- Snowball momentum can beat “optimal” math when behavior is the real bottleneck.
- If a personal loan cuts years off payoff, it is worth pricing out seriously.
Best next step
If you already used the calculator, this is the point where you stop browsing and choose an action path. The goal is not perfect optimization — it is the highest-confidence next move with the least wasted time.
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