See how much you could save with a debt relief program. Compare 36, 48, and 60 month payment plans side-by-side in seconds — no personal information required.
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Debt settlement programs negotiate with your creditors to accept a lump-sum payment that is less than your full balance. You make monthly deposits into a dedicated savings account, and once enough funds accumulate, your settlement company negotiates on your behalf.
Our calculator uses industry-average settlement rates and program fees to estimate total cost by program length. Actual costs depend on your creditors, enrolled debt, and the provider you choose.
No. This is an educational estimator that requires no personal information and performs no credit inquiry.
A debt relief (debt settlement) program is a service where a company negotiates with your creditors to settle your unsecured debts for less than what you owe. You make monthly deposits into a dedicated savings account, which is used to fund settlements.
A shorter program means higher monthly deposits but lower total cost. A longer program lowers your monthly deposit but may cost more overall. The right choice depends on your budget and how quickly you want to be debt-free.
Typically unsecured debts: credit cards, personal loans, medical bills, and lines of credit. Secured debts (mortgages, auto loans) and student loans generally do not qualify.