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Your repayment will never be more than your closing balance.

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This solution may not be appropriate or available to all consumers.

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This calculator is based on making the minimum repayment amount at a 18% interest rate.

Minimum repayments are calculated as a percentage of the closing balance, typically 2 or 2.5%, or a set dollar amount, usually around $20, whichever is greater.

Because there is no general industry consensus as to what the best ways to manage debt are, we have narrowed down your options.