# FinanceMonsta > FinanceMonsta is a free service that connects consumers with third-party lenders, insurance carriers, and other providers. FinanceMonsta is paid by providers in its network. It is not a lender, insurer, insurance agency, or broker, and does not make credit or coverage decisions. Provider terms vary. ## Site and tools - [FinanceMonsta](https://financemonsta.com/): Home page for the matching service. - [Learning center](https://financemonsta.com/learn/): Guides to borrowing, debt, and insurance. - [Glossary](https://financemonsta.com/learn/glossary/): Definitions of loan, credit, and insurance terms. - [Calculators](https://financemonsta.com/tools/): Free calculators for debt payoff, loans, debt-to-income, home equity, student loan refinancing, business loans, and life insurance. - [Money check-up](https://financemonsta.com/tools/money-check-up/): Enter income, debts, card balances, and home value once to see card payoff time, debt-to-income ratio, consolidation savings, and HELOC borrowing room together. ## Calculators - [Credit card payoff calculator](https://financemonsta.com/tools/credit-card-payoff-calculator/): See how long it takes to pay off a credit card at your monthly payment, how much interest you'll pay, and what paying more saves. - [Debt payoff calculator](https://financemonsta.com/tools/debt-payoff-calculator/): Compare the debt snowball and avalanche methods across all your debts. See your debt-free date, total interest, and payoff order. - [Debt consolidation calculator](https://financemonsta.com/tools/debt-consolidation-calculator/): Compare paying off credit cards with a consolidation loan. See your new payment, payoff time, and total interest and fees saved. - [Personal loan calculator](https://financemonsta.com/tools/personal-loan-calculator/): Estimate your personal loan payment, total interest, and APR with an origination fee. See a payment schedule by year. - [Debt-to-income calculator](https://financemonsta.com/tools/debt-to-income-calculator/): Calculate your debt-to-income (DTI) ratio, see how lenders view it, and find how much payment room you have under common limits. - [HELOC calculator](https://financemonsta.com/tools/heloc-calculator/): See how much home equity you could borrow, your HELOC interest-only payment, and your payment once repayment starts. - [Student loan refinance calculator](https://financemonsta.com/tools/student-loan-refinance-calculator/): Compare your current student loan payment with a refinance. See your new payment and total interest for every term. - [Business loan calculator](https://financemonsta.com/tools/business-loan-calculator/): Estimate business loan payments, weekly or monthly, with the total cost including fees and the share of revenue the payments take. - [Life insurance calculator](https://financemonsta.com/tools/life-insurance-calculator/): Estimate how much life insurance you need from your income, debts, final expenses, and education costs, minus what you already have. ## Products - [Personal loans](https://financemonsta.com/loans/): Compare fixed-rate loans from $1,000 to $100,000 for almost anything, from big purchases to paying down cards. - [Debt relief](https://financemonsta.com/debt-relief/): Compare consolidation loans, debt management plans, and settlement programs, matched to how much you owe and your credit. - [Home equity](https://financemonsta.com/home-equity/): Compare HELOCs, home equity loans, and cash-out refinances, matched to your equity and credit. - [Small business](https://financemonsta.com/small-business/): Compare term loans, lines of credit, and equipment financing from funders that work with businesses like yours. - [Student loans](https://financemonsta.com/student-loans/): Compare refinance and private student loan offers, matched to your degree, income, and credit. - [Insurance](https://financemonsta.com/insurance/): Compare Medicare, life, and final expense options with licensed carriers and agents in your area. ## Guides - [How to pay off $20,000 of credit card debt in two years](https://financemonsta.com/learn/pay-off-20000-credit-card-debt/): Build a 24-month plan to pay off $20,000 in credit card debt. Compare monthly payments, repayment methods, and the cost of a consolidation loan. - [HELOC or cash-out refi: which costs less?](https://financemonsta.com/learn/heloc-vs-cash-out-refinance/): Compare HELOCs and cash-out refinancing by rates, fees, and total cost. Learn how each affects your mortgage and when keeping your current rate helps. - [What lenders check before funding your business](https://financemonsta.com/learn/what-lenders-check-business-funding/): Learn what lenders check before funding your business, which documents to prepare, and how to compare APR, fees, and the total cost of an offer. - [Turning 65? Your Medicare checklist](https://financemonsta.com/learn/medicare-checklist-turning-65/): Use this Medicare checklist for turning 65 to review enrollment dates, coverage options, late penalties, and the one-time Medigap enrollment window. - [Personal loan or credit card: which one to use](https://financemonsta.com/learn/personal-loan-vs-credit-card/): Compare personal loans and credit cards for cost, fees, flexibility, and credit impact. See a $10,000 example and learn when each option makes sense. - [Should you refinance your student loans?](https://financemonsta.com/learn/refinancing-student-loans/): Compare student loan refinancing savings, rates, and repayment terms. Learn which federal protections you would lose and how to decide whether to refinance. ## Optional - [Privacy Policy](https://financemonsta.com/privacy/): Collection and use of personal information and privacy rights. - [Terms of Use](https://financemonsta.com/terms/): Terms for using the site and service. - [SMS Terms](https://financemonsta.com/sms-terms/): Terms for text messages. - [Do Not Sell or Share My Information](https://optconsumerprivacy.com/?site=financemonsta.com): Privacy requests and opt-out form. - [Contact](mailto:customersupport@financemonsta.com): Customer support.