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Debt Calculators

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Empower Your Debt Management Plan

Harness the potential of Education First FCU's Debt Calculators to create a personalized strategy for becoming debt-free. Whether you seek to gain valuable knowledge on debt repayment, explore the possibilities of a debt consolidation loan, or simply calculate your monthly payment, our tools empower you to take control of your financial future.

Debt Consolidation

Determine whether it might be financially beneficial to consolidate your debts into a single loan or credit account.

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Make Bi-Weekly Payments

Determine the amount and frequency of payments you need to make in order to pay off a loan or other financial obligation on a bi-weekly schedule

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Meet a Debt Payoff Goal

Estimate how much money you need to pay towards your debts each month in order to pay them off within a certain time frame.

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How Long Will it Take to Pay Off a Credit Card?



Find out how long it will take to pay off a credit card based on your current balance, interest rate, and the amount you can afford to pay each month.

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Use a Lump Sum to Pay Down Debt


Figure out the impact of using a lump sum of money, such as a bonus or tax refund, to pay down debt.

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Are Credit Card Balance Transfers Worth It?


Determine whether or not it is financially beneficial to transfer a credit card balance to a new card with a lower interest rate.

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Increase Your Monthly Payment


Calculate the impact of increasing your monthly payment on a loan or other financial obligation.

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Calculate a Loan Payment

Determine the monthly payment on a loan based on the loan's principal balance, interest rate and term.

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Have Questions? We're Here to Help.

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