Question 1

Is Cents Of Greatness really free?

Accepted Answer

Yes! Our core planning tools, calculators, and educational resources are 100% free to use. We offer a premium tier for advanced features, but the essential tools for debt freedom remain free for everyone.

Question 2

Do you offer loans or consolidation services?

Accepted Answer

No. We are strictly an educational planning tool. We do not lend money, process payments, or offer financial products. Our goal is to help you understand your options so you can make informed decisions.

Question 3

Is my data secure?

Accepted Answer

Absolutely. We do not store sensitive personal financial data like bank account numbers or social security numbers. Any data entered into our calculators is processed locally or stored securely without identifying information.

Question 4

What is debt consolidation?

Accepted Answer

Debt consolidation involves combining multiple debts (like credit cards) into a single loan or payment plan, often with a lower interest rate. This simplifies your finances into one monthly payment.

Question 5

Will consolidation lower my monthly payment?

Accepted Answer

In most cases, yes. By extending the repayment term or securing a lower interest rate, your monthly obligation typically decreases. Use our calculator to see specific estimates for your situation.

Question 6

Can I consolidate student loans?

Accepted Answer

Student loan consolidation is possible but works differently than consumer debt consolidation. Our tools are primarily designed for credit cards and personal loans, though the principles of consolidation are similar.

Question 7

Does using the calculator check my credit?

Accepted Answer

No. Our tools use 'soft' data that you provide manually. We never perform a hard credit pull, so using our site has zero impact on your credit score.

Question 8

Will consolidating debt hurt my credit score?

Accepted Answer

Initially, you might see a small dip due to a hard inquiry if you apply for a loan. However, consolidation often improves scores long-term by lowering your credit utilization ratio and helping you make consistent on-time payments.

Question 9

How do I add this app to my iPhone/iPad home screen?

Accepted Answer

You can install Cents Of Greatness as an app on your iOS device: 1) Open the site in Safari. 2) Tap the Share button (rectangle with an arrow pointing up) at the bottom. 3) Scroll down and tap "Add to Home Screen". 4) Tap Add in the top right corner.

Question 10

How do I install this app on Android?

Accepted Answer

You can install Cents Of Greatness on your Android device: 1) Open the site in Chrome. 2) Tap the menu icon (three dots) in the top right corner. 3) Tap "Add to Home screen" or "Install app". 4) Follow the prompts to add the icon to your home screen.

Frequently Asked Questions

General

Debt Consolidation

Credit Impact

Mobile App & Install

Frequently Asked Questions

General

Debt Consolidation

Credit Impact

Mobile App & Install