Debt Calculator

See how long it will take for your debt to get paid off with one of these four options. We have listed a standard debt amount. You will need to enter your current debt amount below to see what your personal debt payoff numbers will reflect.

What's Best For You: Minimum Payments?

Debt Consolidation?

Credit Counseling? Debt Settlement?
Total Unsecured Debt $30,000.00 $30,000.00 $30,000.00 $30,000.00
Months To
Get Out Of Debt
430 60 60 36
Interest Rate 18.9 % 12 % 10-12% Ave None
Total Interest Paid $49,978.53 $10,040.01 $21,300.00 None
$900.00 $667.33 $855.00 $458.33
Total Cost
To Be Debt Free
$79,978.53 $40,040.01 $51,300.00 $16,500.00
Monthly Payments   Months To Get Out Of Debt   Total Cost To Be Debt Free
Minimum Payments Debt Consolidation Credit Counseling Debt Settlement
Enter Your Debt Information Here:
Your Total
Unsecured Debt:
Your Average
Interest Rate:
Months To
Be Debt Free:


PLEASE NOTE: This calculator gives you an estimate of how much it will cost you to get out of debt, how long it will take and how much your monthly payment may be with the different options to pay off your debt. Keep in mind "Minimum Payments" assumes you NEVER make any further purchases on your credit cards and the credit card companies NEVER raise the interest rate on your cards in the future from the rate calculated above. The "Debt Consolidation Loan" example is usually only possible when taking out an "equity line of credit" or "second mortgage", which involves securing your unsecured debt with your home. This is a very risky option for most people because the home could be foreclosed if you cannot make the payments.

Your Next Step

I highly suggest that you speak with a professional debt negotiator in regards to your current debt situation. Our top go to guy, Charles, has been negotiating debt for over 10 years and knows what the best options are. He does not charge the crazy fees that the other debt negotiators charge. He actually comes up with a solution that you are happy with and will benefit from... all at the same time, on your terms with whatever you are comfortable with.

He is NOT a high pressure sales man. He is actually the owner of his own business that negotiates debts with lendors. I have personally used him to negotiate a bad home loan of mine. I use him and I recommend him!

Co-Owner of

Fill out the form below and Charles will contact you usually in a few hours. He has been very busy this year, so give him about 24 hours, at the most, to call you back. It will be worth your time! I promiss.








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