Guides

Short, plain-English explainers on paying down debt. General information, not financial advice.

Pay extra on your loan or invest?
A simple way to decide between paying down debt and investing. How loan amortization works
Why early payments are mostly interest, with a real example. Biweekly payments: do they save money?
How they work and how to get the same result for free. Refinance or pay extra?
Break-even time, closing costs, and the term trap. Debt snowball vs. avalanche
Two ways to attack multiple debts, and how to choose.