Look at total cost, not only the payment
A lower payment may simply mean a longer term. Compare interest, fees, and repayment time.
Keep a cash buffer
Debt reduction matters, but having no emergency reserve can send the next surprise back onto credit.
Make expensive debt visible
List balance, rate, monthly payment, and any prepayment penalties for every debt.
Borrowing capacity is not income
A larger credit line does not create sustainable cash flow.
How can you use this?
Confirm your actual inputs, then compare at least two scenarios in the related calculator. For statutory benefits, the official rules in force when you apply control the final result.
General financial education only. Not individualized investment, lending, tax, legal, or professional advice.