Your estimated payoff date is when you'll be debt-free if you keep your current contribution and plan. It's a projection built from your balances, interest rates, and how much you put toward debt each cycle.

The date shifts as your real numbers change. Paying more moves it closer. A higher balance, an interest-rate change, or a paused cycle can move it out. It updates as Lorica gets fresh data on your accounts.

The biggest lever is your contribution — more toward debt each cycle means a sooner payoff and less interest paid. Avalanche order also gets you there faster than snowball, all else equal.

The date assumes your rates and balances behave as expected and that pulls go through on schedule. Real life varies, so treat it as a well-informed projection, not a guarantee.