Get Out Of Debt

Can someone help me flesh out the details of this? I need to make a mortgage calculator in java does the following
The user will be asked to enter to the amount of the mortgage loan, the term in years of the mortgage, and an annual interest rate. The amount of the mortgage loan shall be [...]

I need to get one loan to get rid of all my credit card bills, and just pay one bill every month… I realy need help. Thanks for any advice.