The Johnsons came to us carrying $42,000 in credit card debt spread across six accounts. Despite paying faithfully every month, the balances hardly moved.

We sat down and ran the numbers. By consolidating into a structured personal loan, they could simplify everything into one monthly payment—and more importantly, slash their total interest costs.

The result? A projected savings of $18,400 over the life of their loan.

But here’s the bigger impact: peace of mind. For the first time in years, the Johnsons had a clear roadmap. No more juggling due dates. No more wondering if they’d ever catch up. Just a steady path to zero debt.

Their story is proof that the right strategy doesn’t just save money—it restores confidence.