Borrowology

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See what your debt payoff actually costs.

The debt payoff calculator compares snowball, avalanche, and minimum payments. The letter tool writes a dispute you can adapt. Its sample follows United States bureau rules.

Debt payoff calculator Credit report dispute letter

Try it with a $10,000 example

Three cards that add up to $10,000

Highest interest first saves $3,781.84 versus paying only the minimums.

  • Highest interest first

    Usually costs the least

    December 2028

    27 months · $2,285.61

  • Smallest balance first

    Clears one debt sooner

    January 2029

    28 months · $2,842.27

  • Minimum payments

    No extra money

    January 2032

    64 months · $6,067.45

First payment October 2026. Use your own numbers

Read the short version.

A few minutes each. Plain language, with the source at the bottom of every guide.

Paying off debt

What changes when you pay the minimum, use debt snowball, or pay the highest rate first with the debt avalanche. The comparison is interest, not a score.

Credit scores

How a credit score is built, when a balance is reported, and how a United States dispute works under the FCRA.

Loans and cards

How balance transfer fees, consolidation loans, and car dealer rate markups change what a loan costs. The fee and the end date are part of the price.