Your mortgage rate is one number. Your true cost of borrowing is another — weighted across every dollar you owe. This instrument reveals the gap, shows you where the cost lives, and maps the path out.
Month by month, debt by debt. No new loans, no restructuring — just the same money you're already spending, applied in a smarter order.
Right now you're making minimum payments on everything. Watch what happens if you keep making the exact same total monthly payment — but quietly direct the extra dollars toward your highest-rate debt first. Each time a debt is paid off, that freed-up payment rolls into the next one. This method is called the debt avalanche, and it's the fastest mathematically legal way out of consumer debt.
The avalanche above is one path — the just pay it down path. There are three others. Each handles the same debt differently, with different trade-offs.