When deciding the best option for your debt issues, you must first look at your cash flow on a monthly basis. The calculator will compare each option on a monthly cash flow basis as well as the costs to pay back the debt over a specific period of time.

*The minimum payment on credit card debt is defined by your credit card companies. While the formula can differ from one account to another, it generally amounts to a small percentage of your current balance. The minimum payment becomes lower as your balance is paid. However, thanks to the way compounding interest works, you'll end up paying for an extremely long time!

*Credit Counseling is based on a “fixed” or "variable" interest rate. Note: formula used is customer’s average interest rate entered above.

*Debt Aches Solution is based on a conservative debt settlement estimate through our debt settlement program at 55% of original balance.