{
  "schema_version": 1,
  "dataset_id": "debt-consolidation-worked-examples-2026",
  "version": "2026.1",
  "published_date": "2026-09-03",
  "source_reviewed_date": "2026-09-03",
  "example_count": 3,
  "record_count": 3,
  "landing_page_url": "https://kellibrooke.com/programs/debt-consolidation/",
  "source_urls": [
    "https://www.consumerfinance.gov/ask-cfpb/what-do-i-need-to-know-if-im-thinking-about-consolidating-my-credit-card-debt-en-1861/",
    "https://www.consumerfinance.gov/owning-a-home/compare/compare-loan-estimates/",
    "https://statutes.capitol.texas.gov/Docs/CN/pdf/CN.16.pdf",
    "https://selling-guide.fanniemae.com/sel/b3-6-02/debt-income-ratios",
    "https://selling-guide.fanniemae.com/sel/b3-6-07/debts-paid-or-prior-closing"
  ],
  "methodology": "Kellibrooke models fixed-rate principal-and-interest payments with monthly amortization loops using unrounded balances and payments, rounds only published results, compares five-year borrowing cost as interest plus stated loan costs, and maps each hypothetical fixture to reviewed primary sources. The high-DTI example is conditional on the stated debts being eligible for exclusion under the applicable program and lender analysis.",
  "disclaimer": "All three examples are hypothetical and use no actual borrower data. They are not an approval, commitment to lend, rate quote, legal or tax advice, or a guarantee of payment relief, savings, eligibility, or debt exclusion. A lower monthly payment is not the same as lower total cost. Extending debt over a longer mortgage term can increase total interest and fees. Replacing unsecured debt with debt secured by a home can create foreclosure risk if the home-secured loan is not repaid. Actual results depend on verified debts, income, property value, loan terms, closing costs, program rules, lender requirements, and the complete borrower profile.",
  "license": {
    "name": "Creative Commons Attribution 4.0 International",
    "url": "https://creativecommons.org/licenses/by/4.0/",
    "applies_to": "Kellibrooke's original compilation and original explanatory wording only. Linked source material and underlying rules are excluded and retain their own terms."
  },
  "correction_policy_url": "https://kellibrooke.com/editorial-standards/",
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