Terms of use

Effective July 22, 2026

Educational estimate only

ConsolidateCalc provides general educational calculations. It is not a lender, loan broker, credit counselor, debt settlement provider, financial advisor, law firm, or tax advisor. It does not offer credit, check eligibility, or recommend a transaction.

Results depend entirely on the values and assumptions entered. Statements and lender disclosures may calculate interest, minimum payments, fees, and timing differently.

No guaranteed outcome

We do not promise loan approval, savings, a lower payment, debt reduction, a payoff date, credit-score improvement, or any other financial result. You are responsible for checking current statements, payoff quotes, lender disclosures, and contractual terms before acting.

Responsible use

Do not use the calculator as a substitute for urgent help when you cannot make required repayments. Contact creditors promptly and use a free, confidential debt adviser. UK student loans have their own repayment rules and should not be assessed with this general model.

You may use the site for personal, lawful purposes. Do not interfere with the service, automate abusive requests, or misrepresent its estimates as lender quotes or professional advice.

Availability and changes

The site is provided without a guarantee of uninterrupted availability or fitness for a particular purpose. We may correct calculations, update content, or change these terms as the product evolves.