A lower payment can help cashflow, but it can also stretch the debt and quietly raise total interest. Compare your current loan against a refinance offer before you sign.
The offer lowers total fee-plus-interest cost versus your current path. Check for prepayment penalties and whether the new term fits your debt-free target.
$520/mo at 9.99% APR.
$442/mo at 6.49% APR, including $250 upfront fee.
A one-time number is a start. Debt Engine tracks every debt, watches your BNPL deadlines, and earmarks the two “extra” paychecks a year that actually get you to zero — then redirects them to retirement once you’re debt-free. No bank login, no signup to try it.