Monthly Cash Flow Freed Up
$0
What Your Debt Really Costs
0%
Time to Recoup Closing Costs
0 mo
The minimum-payment trap
What those cards cost if you just leave them alone
0 yrs
One payment instead of many
Where you'll stand over time
Same money out of pocket every month in all three paths. The only difference is how the debt is structured — and whether the freed-up cash gets invested or spent.
Do nothing — keep the debt
Consolidate & spend the relief
Consolidate & invest the relief
The honest trade-off on interest
Stretching debt over a longer term does add interest — here's the full picture, not half of it
Interest if you keep paying the cards & loans as they are$0
Interest this balance adds to the mortgage$0
Difference in interest$0
…more than offset by investing the monthly relief (wealth by year 10)$0
Debts being consolidated
| Debt | Balance | APR | Monthly Payment | Payoff (as-is) |
|---|---|---|---|---|
| Total | $0 | 0% | $0 | — |
Before you sign — the honest trade-offs
This only builds wealth if it's done with discipline. Here's the real picture.
- ▲You're securing unsecured debt with your home. Credit cards can't take your house — your mortgage can. Consolidating moves that risk onto the home.
- ▲You're extending the term. A balance you'd have cleared in a few years is now stretched across the mortgage. Lower payment, longer tail — unless you invest the savings to shorten it.
- ▲The math only wins if you don't re-run the cards. Free up the payment, then rack the balances back up, and you've doubled the problem. The plan assumes the cards stay at zero.
- ▲Mortgage interest may be deductible where card interest never is — but only against acquisition debt and above the standard deduction. Confirm with a tax advisor; don't assume it.
Your next steps
A clear path from here:
- Pull credit & confirm balances so every payoff figure here is exact.
- Lock today's rate to protect these numbers while we package the file.
- Gather recent statements — your mortgage plus each debt being paid off.
- Put the monthly relief on autopilot — automate it into investing or extra principal so the plan actually happens.