The Interest-First Trap: Why Your Minimum Payment Keeps You in Debt
Making the minimum payment feels responsible—but here's the math showing why $2,500 at 21.99% APR takes 17 years to pay off, with $3,741 going to interest first.
Getting out of debt starts with knowing exactly what you owe and what it costs you each month. Use the free calculator to see your numbers, then pick a payoff strategy that fits how you like to work.
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Making the minimum payment feels responsible—but here's the math showing why $2,500 at 21.99% APR takes 17 years to pay off, with $3,741 going to interest first.
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