Systems and methods for end-to-end consumer lending and financing solutions for the consolidation of debt

1. A communication system comprising:

a centrally accessed platform including a host system, a server, a database, a plurality of third party computer devices, and a communication network;

a client device in communication with the host system; and

a loan officer device in communication with the host system;

wherein:

each third party computer device includes data that is disparate from another third party computer device;

the host system is configured transmit data to the client device and generate a graphical user interface (GUI), the GUI including a field to receive a user-defined goal associated with borrowing money to consolidate a plurality of debts held by the user, the GUI further including an operating module to facilitate data entry to the host system by a user via the client device and data retrieval by the host system from the database and the plurality of third party computer devices, the data including a total consolidated debt comprising the plurality of debts held by the user, the data being stored in memory of the host system, wherein the host system is configured to generate a code or receive a code via the client device, and the code is configured to recall, via the client device and the loan officer device, the data stored in memory of the host system;

the operating module is configured to perform steps including:

generating a financial solution for borrowing money to consolidate the plurality of debts, the financial solution comprising a plurality of financial solution products dynamically calculated based on data entered and data retrieved, the financial solution presented to the user via the client device, each financial solution product associated with the user-defined goal, wherein the presentation provides the user with access to the plurality of financial solution products;

generating an itemized debt table including the plurality of debts and the plurality of financial solution products;

provide the user a selection object to select at least one financial solution product from the plurality of financial solution products;

generating, for each of the selected financial solution products, an itemized debt confirmation window that includes a debt summary table, an expected payoff date, and the overall interest the user will pay if the user makes the monthly payments to satisfy the total consolidated debt;

generating a financial solution product application display, allowing the user of the client device to apply for any one or combination of the selected financial solution products within the itemized debt confirmation window by transmitting details of the any one or combination of the selected financial solution product to the loan officer device and;

displaying to the user the itemized debt confirmation window and the financial solution product application display.

2. The communication system of claim 1 , wherein the operating module is programmed to provide the user an option to enter the plurality of debts as a whole debt amount.

3. The communication system of claim 1 , wherein the operating module is programmed to provide the user an option to enter the plurality of debts as itemized debt amounts.

4. The communication system of claim 3 , wherein the operating module is programmed to generate an itemized debt window to assist the user with entering the plurality of debts as itemized debt amounts by providing a loan type drop-down box, allowing the user to select a loan type and enter an associated debt amount for the loan type, an associated annual percentage rate for the loan type, and an associated monthly payment for the loan type.

5. The communication system of claim 4 , wherein the itemized debt window includes an X icon configured to allow the user to delete any one or combination of loan types.

6. The communication system of claim 4 , wherein the operating module is programmed to utilize a debt consolidation calculator to determine a total amount of debt to be consolidated.

7. The communication system of claim 6 , wherein the itemized debt confirmation window includes a calculated total debt amount, a calculated monthly payment for the calculated total debt amount, and a calculated effective interest rate for the calculated total debt amount.

8. The communication system of claim 1 , wherein the plurality of financial solution products is presented as a side-by-side comparison.

9. The communication system of claim 8 , wherein:

the side-by-side comparison includes a “goal” criteria selector, the criteria including paying off debt more quickly and/or minimizing monthly payments; and

the goal criteria selector, when actuated, reconfigures the side-by-side comparison in accordance with the goal criteria.

10. The communication system of claim 8 , wherein the side-by-side comparison is in tabular format.

11. The communication system of claim 8 , wherein the side-by-side comparison is in graphical format.

12. The communication system of claim 11 , wherein the graphical format includes an interactive line graph.

13. The communication system of claim 12 , wherein the interactive line graph is configured to generate a text box when a curser is hovered over the line.

14. A method for providing a centrally accessed platform for providing financial solution products, the method comprising:

forming a centrally accessed platform comprising a host system, a server, a database, a plurality of third party computer devices, and a communication network, wherein each third party computer device includes data that is disparate from another third party computer device;

placing a client device in communication with the host system;

placing a loan officer device in communication with the host system;

transmitting data from the host system to the client device and generate a graphical user interface (GUI), the GUI including a field to receive a user-defined goal associated with borrowing money to consolidate a plurality of debts held by the user, the GUI further including an operating module to facilitate data entry to the host system by a user via the client device and data retrieval by the host system from the database and the plurality of third party computer devices, the data including a total consolidated debt comprising the plurality of debts held by the user, the data being stored in memory of the host system, wherein the host system is configured to generate a code or receive a code via the client device, and the code is configured to recall, via the client device and the loan officer device, the data stored in memory of the host system; and

the operating module:

generating a financial solution for borrowing money to consolidate the plurality of debts, the financial solution comprising a plurality of financial solution products dynamically calculated based on data entered and data retrieved, the financial solution presented to the user via the client device, each financial solution product associated with the user-defined goal, wherein the presentation provides the user with access to the plurality of financial solution products;

generating an itemized debt table including the plurality of debts and the plurality of financial solution products;

providing the user a selection object to select at least one financial solution product from the plurality of financial solution products;

generating, for each of the selected financial solution products, an itemized debt confirmation window that includes a debt summary table, an expected payoff date, and the overall interest the user will pay if the user makes the monthly payments to satisfy the total consolidated debt;

generating a financial solution product application display, allowing the user of the client device to apply for any one or combination of the selected financial solution products within the itemized debt confirmation window by transmitting details of the any one or combination of the selected financial solution product to the loan officer device; and

displaying to the user the itemized debt confirmation window and the financial solution product application display.

15. The method of claim 14 , further comprising:

providing the user an option to enter the plurality of debts as a whole debt amount.

16. The method of claim 14 , further comprising:

providing the user an option to enter the plurality of debts as itemized debt amounts.

17. The method of claim 16 , further comprising:

generating an itemized debt window to assist the user with entering the plurality of debts as itemized debt amounts by providing a loan type drop-down box, allowing the user to select a loan type and enter an associated debt amount for the loan type, an associated annual percentage rate for the loan type, and an associated monthly payment for the loan type.

18. The method of claim 17 , further comprising:

utilizing a debt consolidation calculator to determine a total amount of debt to be consolidated.

19. The method of claim 14 , further comprising:

presenting the plurality of financial solution products as a side-by-side comparison.

20. The method of claim 19 , further comprising:

presenting the side-by-side comparison in a tabular format and/or a graphical format.