How it works?
See how much you could save with debt relief vs. traditional minimum payments
Each bar shows your remaining balance (settled debt + 20% enrollment fee) being paid down.
Total Savings
Time Saved
Debt Reduction
* This calculator provides estimates based on typical scenarios and compares three payment strategies: (1) Traditional minimum payments calculated as interest plus 1% of balance with 20% APR (industry standard), (2) Accelerated fixed payments calculated to pay off the full debt within the selected term at 20% APR, and (3) Debt relief program settling for approximately 40-60% of debt with a 20% enrollment fee based on your original enrolled debt amount. Actual results vary based on your specific situation, creditor negotiations, and program terms. Consult with a debt relief specialist for personalized estimates.
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NOTICE TO VERMONT CONSUMERS:
This website is a loan solicitation service, not a lender. Simply Debt Smart will share your information with one or more third-party lenders as part of your loan inquiry. Please note that the lender you are connected with may not be subject to all Vermont lending laws, but may be governed by applicable federal regulations.
Home Warranty disclosure for New Jersey Residents: The product being offered is a service contract. It is separate and distinct from any warranty that may be provided by a home builder or product manufacturer.
Simply Debt Smart does not accept loan or mortgage applications, nor does it make credit decisions. Instead, we present rates from lenders that are licensed or otherwise authorized to operate in Vermont. If you choose to be connected, we forward your information to the selected lender so they can contact you directly.
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