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Debt Relief Options Comparison Calculator

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Advertiser Disclosure

Getting out of debt is easier with the right debt relief solution, but how do you choose the best solution for you? To simplify your search, we’ve created this free debt relief comparison calculator. Just enter your total debt and average interest rate below to compare three popular options for debt relief to the minimum payments you’re making now.

See how it works

Compare your options in less than a minute

Getting out of debt isn’t one-size-fits-all. There are dozens of private and government programs, and each one works best under certain circumstances. See how those options might affect you.

Step 1

How much do you owe?

$25,000

*For debt settlement programs, by law, you may not be charged any fee until a debt settlement is arranged on your behalf, you approve the settlement, and at least one payment is made towards the settlement.

Not all consumers are able to complete a debt settlement program for various reasons, including their ability to save sufficient funds. The use of debt settlement services could negatively impact your credit and may result in legal action on the part of creditors or collectors for unpaid balances. Read and understand all program materials prior to enrollment. Please contact a debt relief specialist for complete program details.

**The Debt Management Program estimate compares paying your minimum credit card debt payments on your own vs. the potential benefit of using a Debt Management Plan through completion. IT’S NOT AN ACTUAL QUOTE. Actual interest rates will vary by consumer and creditor – yours could be higher or lower. A DMP might be able to reduce your interest rates and late fees allowing you to pay off your credit card debt quicker (since more payments are applied to your principal balances, saving you lots of money in the long run). To complete the program, you must make on-time payments each month. Late or missed payments may cause your program to be canceled and in that event, this estimate would not apply to you.