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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.
Pros and Cons
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Talk to a debt relief specialist to weigh your options.
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Assumptions & Disclaimers
Minimum Payments
Minimum payment calculation assumes an APR of 24% on your credit card debt and each monthly payment is 3% of total amount.
Debt Consolidation
Assumes a loan APR of 16.5% over a 5- year term.
Debt Management Program
Average Interest Rate in a DMP is 8%. Actual interest rates will vary by consumer and creditor.
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.
Debt Settlement
Rates and terms vary by consumer and creditor. Debt settlement may negatively impact your credit score.
*Debt settlement fees vary by program and state.