Once you Know What You Owe, you can use one of the many free online debt repayment calculators to figure out how long it will take you to pay off your debt. By adjusting the debt and payment amounts you can explore different scenarios with your future financial freedom. The quicker you pay off a debt, the less interest you pay. If your financial situation changes due to job loss or medical bills, a debt calculator can help you decide if you should consider hiring a lawyer to help you with debt settlement negotiation or even bankruptcy.
The following links are just a few of the many debt repayment calculators available. Do not enter any personal or banking information. If you are having difficulty figuring out your debt and payments, you might want to consult a financial adviser.
https://www.bankrate.com/calculators/managing-debt/debt-pay-down-calculator.aspx
https://www.nerdwallet.com/article/finance/debt-snowball-calculator