Short answer
Your debts clear when a realistic repayment plan says so: balances, interest and what you can pay each month set the date, not the planets. In Vedic astrology the 6th house governs debts and Saturn is read as the planet of disciplined repayment. If repayments already feel unmanageable, speak to a qualified, reputable debt adviser now rather than waiting for a transit.
How ChiChakra reads this
An astrologer looks at the 6th house (debts and loans), the 12th (outgoings) and the 11th (gains), their ruling planets and the running Dasha. From your Moon sign, Saturn in the 6th is a traditional placement for clearing obligations steadily; as of November 2026, with Saturn in Meena, that applies to Tula. Jupiter in Simha falls 6th from Meena, bringing debts into focus there.
Building a debt-free date
List every balance, interest rate, minimum payment and due date in one place. Ask an adviser which debt to prioritise if you are unsure.
Your debt-free date comes from that list. Recalculate it every few months as income and costs change.
Avoid new borrowing to cover old borrowing, and never treat a 'lucky' period as a reason to take on more.
Money worries are heavy. If they are affecting your sleep or health, talk to someone you trust.
Good to know
Not financial advice. Only your lenders and advisers, not transits, can change the terms of what you owe.