Debt Payoff Guide is a free service that connects consumers with third-party debt-relief providers. We are not a lender, law firm, credit-counseling agency, or debt-settlement company, and we do not provide financial, legal, or tax advice. Information here is general and not a recommendation.
There's no single price. For-profit debt settlement usually costs 15% to 25% of the debt you enroll, charged only after a debt is settled. Nonprofit debt management plans run about $0 to $75 to set up and roughly $25 to $50 a month. Consolidation-loan rates depend on your credit. Nonprofit credit-counseling sessions are often free.
Estimate your own numbers with the debt-to-income and debt payoff calculators.
| Option | Typical cost |
|---|---|
| Debt settlement (for-profit) | 15%–25% of enrolled debt |
| Debt management plan (nonprofit) | $0–$75 setup, ~$25–$50/mo |
| Debt consolidation loan | APR varies by credit (often ~7%–36%) |
| Credit counseling session | Often free at NFCC-member agencies |
Tell us what you owe, we'll match you with a provider, free and with no obligation.
