How should my payments be set up to pay off all my debts the quickest? The basic principles to eliminating debt include: (1) pay as much as possible toward your debt each month (not just the minimum required); (2) concentrate on paying off one loan by paying any extra toward that one loan while paying the minimum on all others; (3) when one loan is paid, choose another and pay its minimum plus the money that was being paid on the loan you just paid off. Use this debt elimination calculator to help organize and prioritize your loans to get them paid as quickly as possible. Enter the debts you want to eliminate, choose your elimination priority and run an amortization schedule that will show you a monthly payment schedule for each loan each month until they are all paid. You can even compare how much it would cost and how long it would take to pay the same debts by making minimum payments each month.

 

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