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Thursday, February 02, 2023


Should I consolidate my debt?

Discover your potential monthly savings by combining your monthly bills into a single source. Eliminate high interest rate credit card and installment loans with a potentially tax deductible consolidation loan (consult your tax advisor). Use our calculator to figure how long before your monthly savings equal the cost of obtaining a new consolidation loan (Break Even Point).

This calculator will also show you how long it takes to pay off a consolidation loan if you make a payment equal to your total monthly payments before consolidating. These calculations are only estimates and can only be used to evaluate the possible results of consolidating certain debts into an equity loan.
Loan Information
Zip Code
Interest Rate
Loan Term (Years) 
Loan Costs
Loan Points
Tax Rate (%)

Existing Accounts
Auto Loan
Auto Loan
Student Loan
Installment Loan
Revolving Account
Revolving Account
Revolving Account
Revolving Account
Other Debt
Other Debt

The results displayed above are only estimates and cannot be used to determine actual loan costs or be used as a guarantee. Please consult your tax advisor for information on the deductibility of interest for tax purposes. Refinancing or taking out a home equity loan or line of credit may increase the total number of monthly payments and the total amount paid when comparing to your current situation.


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Evergreen State Mortgage MB-98904 | Ph: 206-200-LEND(5363) or ph 2: 425-867-1313
A DBA and Branch of Evergreen State Advisory Services, Inc.
8201 164th Ave NE, Suite 200 | Redmond, WA 98052
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