Two paths out of debt

Slide to your total unsecured debt and select the types you carry. You'll see an illustrative comparison of paying it off with minimum payments versus an estimated structured payoff plan scenario. No email required — your estimates appear instantly.

Your total unsecured debt (estimated)

$25,000 Drag the slider or use arrow keys

Which types of debt do you have?

Credit cards Estimated avg. APR 24.99% Personal loans Estimated avg. APR 13.00% Medical bills Estimated avg. APR 0% (often interest-free)

Two paths, side by side

Both paths below are estimates based on the assumptions listed under the results. Your actual figures will depend on your balances, rates, and creditors.

Path 1 · Illustrative

Minimum payments only

Paying only the minimum due each month (estimated at interest plus 1% of the balance), with no new charges.

Estimated time to pay off

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Estimated monthly payment

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Starts here and shrinks as the balance falls

Estimated total paid

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Estimated total costHigher

Path 2 · Illustrative

Structured payoff plan scenario

An illustrative scenario where the enrolled balance is paid off for less than the full amount owed, plus plan fees, through one fixed monthly payment.

Estimated time to complete

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Estimated monthly payment

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One fixed estimated payment for the plan term

Estimated total paid

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Estimated total costLower in this scenario

Estimated time until you're debt-free

Same debt, two very different timelines — both bars are drawn to the same scale, and both are estimates.

Path 1 · IllustrativeMinimum payments only

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Path 2 · IllustrativeStructured payoff plan

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Estimated difference in total paid

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This compares two estimates — it is an illustrative difference, not a promised saving. Whether a structured payoff plan costs less for you depends on your creditors, balances, and whether reduced payoffs are agreed.

How these estimates are calculated

Minimum payments: estimated at monthly interest plus 1% of the remaining balance (minimum $25), a formula many card issuers use. No new charges, no late fees.
Interest rate: a blended estimated average APR based on the debt types you select, applied evenly across the balance.
Structured payoff plan scenario: assumes the enrolled balance is paid off at an estimated 50% of the amount owed, plus estimated plan fees of 25% of the enrolled amount. The plan term is estimated at 36 months for debts up to $20,000 and 48 months above that.
Not included: taxes that may apply to forgiven debt, credit-score effects, or fees from your creditors.

Please read

Every figure on this page is an estimate for illustration only. Nothing here is a promise, quote, or guarantee of results.

A structured payoff plan does not work for everyone. Creditors are not required to agree to a reduced payoff, a plan can affect your credit, and individual results vary. Only a review of your full situation can determine whether you qualify and what a plan would actually cost you.

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