One honest number a person can act on: runway through the date that matters, who owes you, and which debt to kill first.

Is refinancing this loan worth it?

Current rate vs offered rate on your balance — interest saved, new payment, break-even.

Interest saved over the payoff

$2,493

New payment ≈ $267 · paid off in ~60 months

Email me this math + the questions to ask the lender

Your numbers, written up with what to do next. No spam — a handful of notes, then quiet.

The question this tool can't answer

Which of your other loans would refinancing help most?

Myya Money watches this every day — runway, who owes you, what your debt costs — and tells you before it bites.

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