You say you need help figuring all this out? Well we've got help for you in the form of Bankrate calculators. These handy, easy-to-use tools will help chase those foggy fears from the corners of your mind and give you a clear picture of your financial situation, how best to pay down or restructure your debt and even how to boost your credit score.

Managing your debt Debt Guide Home How bad is it? Help yourself Getting help Starting over Calculators Bankrate.com

Debt Reduction Debt pay-down calculator -- What's the fastest and cheapest way to pay down your debts?

What will it take to pay off your credit card? -- Compute your best strategy for dumping credit card debt.

The true cost of paying the credit card minimum -- Our calculator will show you how long it'll take to pay off your card balance if you only pay the minimum. Find out what it'll take to pay it faster.

Mortgages Mortgage calculator -- with amortization table -- Calculate the payment on any mortgage, and see the effects of extra payments.

Home equity loan calculator -- If you're struggling to climb out of debt it may be time to tap into your most valuable asset. Use this interactive calculator to help you decide.

Should you refinance your mortgage? -- Plug your numbers into this handy calculator to find out if a refi is worth the upfront costs.

What's your credit score? FICO score estimator -- A quick idea of how lenders are likely to rate your credit.