Enter each one of your debts into the fields below, along with their corresponding principal balances, interest rates and monthly repayment amounts (note that the last two columns will be filled in by the calculator). Once you have entered all of your current debts that you wish to consolidate, click on the "Compute Current Debt Cost" button. Next, enter the consolidating loan's interest rate, term and any origination fees that might apply and click the "Compute Consolidation Loan Costs" button.