Debt consolidation can save you thousands — or cost you thousands. The difference comes down to 3 numbers. I ran a complete $20,000 debt scenario through the calculator so you can see exactly which situation you're in.
The calculator I used in this video is in the description — it's a Google Sheet where you enter your current debts and a potential consolidation rate, and it shows you the full comparison automatically. Free, no email required:
https://docs.google.com/spreadsheets/d/1YU6iFCxxKq-eE6dVzUaGjyrMDGviN2ond0vnZjYL6hg/edit?usp=sharing
Links to SoFi, LightStream, Marcus and Upstart are also in the description (without affiliate just click and use it)
https://www.sofi.com/
https://www.lightstream.com/
https://marcus.com/us/en
https://www.upstart.com/
debt consolidation loan, is debt consolidation worth it, debt consolidation calculator, best debt consolidation loans 2026, personal loan to pay off debt
The calculator I used in this video is in the description — it's a Google Sheet where you enter your current debts and a potential consolidation rate, and it shows you the full comparison automatically. Free, no email required:
https://docs.google.com/spreadsheets/d/1YU6iFCxxKq-eE6dVzUaGjyrMDGviN2ond0vnZjYL6hg/edit?usp=sharing
Links to SoFi, LightStream, Marcus and Upstart are also in the description (without affiliate just click and use it)
https://www.sofi.com/
https://www.lightstream.com/
https://marcus.com/us/en
https://www.upstart.com/
debt consolidation loan, is debt consolidation worth it, debt consolidation calculator, best debt consolidation loans 2026, personal loan to pay off debt
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