Not All Debt Is Created Equal.

Enter your debts below. We will classify each one, calculate what it is costing you, and tell you exactly where to focus first.

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How It Works

Three Types of Debt

Every debt you carry falls into one of these categories. The type changes your strategy.

Category 1

Good Debt

Finances assets that grow in value or increase earning power. Lower rates, possible tax advantages.

Category 2

Neutral Debt

Not clearly good or bad. Outcome depends on management. Medical bills, consolidation loans.

Category 3

Bad Debt

High-rate debt financing consumption or depreciating items. Highest priority to eliminate.

Step 1

Enter Your Debts

Add every balance you carry. Select the debt type from the dropdown for each one.

Debt Name	Balance ($)	APR (%)	Min. Payment ($)	Debt Type

Tip: Include all balances: credit cards, student loans, mortgage, auto, medical, personal loans. The more complete your list, the more useful your results.

-- Score

Your Debt Health Score

Analyzing...

Your Debt Breakdown

Your Personalized Payoff Plan

Recommended Payoff Order

Annual Interest Cost by Debt

Ready to Build Your Payoff Plan?

Download a summary of your results or schedule a free consultation with Ivan to turn this analysis into action.

Book a Free Consultation →

Educational Content Disclaimer: This tool is produced by Café & Finances LLC for general informational and educational purposes only. Results are estimates based on your inputs and do not constitute personalized financial, legal, mortgage, tax, or investment advice. Individual results will vary. Consult a licensed financial advisor before making financial decisions. | Ivan Lopez Corcino | NMLS# 1911860 | Licensed Mortgage Professional | North Carolina | NMLS Consumer Access | Equal Housing Opportunity | © 2026 Café & Finances LLC

CAFE AND FINANCES

Licensed mortgage guidance and financial education for families and business owners across North Carolina.

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Licensing & Credentials

Ivan Lopez Corcino

Licensed Mortgage Professional

NMLS# 1911860 | State of North Carolina

201 Shannon Oaks Cir, Ste 202

Cary, NC 27511

(919) 593-9140

[email protected]

🔍 NMLS Consumer Access | Equal Housing Opportunity

Important Disclosures

This website provides financial education content only and does not constitute financial, legal, tax, mortgage, or investment advice.

Calculator results are estimates for planning purposes only. Individual results will vary. Always consult a licensed professional before making financial decisions.

Statistics cited reflect publicly available data and are subject to change without notice.

Educational Content Disclaimer: All content published by Café & Finances LLC — including articles, blog posts, calculators, guides, and downloadable materials — is produced for general informational and educational purposes only. Nothing on this website or in any associated materials constitutes personalized financial, legal, mortgage, tax, or investment advice, nor does it establish a client relationship of any kind. Results discussed in examples and case studies are illustrative and are not a guarantee, promise, or projection of any specific financial outcome. Individual results will vary based on income, debt balances, interest rates, creditworthiness, payment behavior, and other personal financial factors. Café & Finances LLC and Ivan Lopez Corcino are not liable for any financial decisions made in reliance on this content. Readers are encouraged to consult a licensed financial advisor, attorney, or tax professional before implementing any financial strategy. Ivan Lopez Corcino is a licensed mortgage professional (NMLS# 1911860) in the State of North Carolina. Mortgage origination services are governed by applicable state and federal law. This site is not affiliated with any government agency.