Borrower snapshot
- Total balances to consolidate
- Current average APR
- Minimum monthly payment total
- Desired payoff timeline
Downloads
Consolidation rate checklist
Compare loan and balance-transfer offers side-by-side before you apply.
Offer details to confirm
- Intro APR and when it expires
- Post-intro APR range (min/max)
- Origination, membership, or transfer fees
- Prepayment penalties or early payoff fees
- Fixed vs variable rate structure
Cost comparison
- Total interest paid today (estimate)
- Total interest with the offer (estimate)
- Break-even month when savings begin
Service + support
- Customer support channels and hours
- Hard vs soft credit check
- Funding timeline
Next: test the savings scenario
Use the Consolidation Savings Analyzer to compare your current APRs against a draft offer and see when the switch actually pays off.
Open the analyzerGet consolidation check-ins with PYB UPDATES
We send short weekly prompts to compare offers, review APR changes, and decide when to refinance. Join the list for consolidation updates.
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Consolidation-ready tips, lender comparisons, and timing reminders.
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