How much should you save?

We’ll work to help you reduce your debt as efficiently as possible based on your individual situation and creditor cooperation. On average, clients who successfully complete the program achieve approximately 20–25% savings on their enrolled debt, after fees, over an estimated 48 to 52 months. Results vary, and savings are not guaranteed.
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For example, if you enrolled with $20,000 in debt, you might expect to repay approximately $15,000–$16,000 total, including program fees, resulting in estimated savings of $4,000–$5,000 compared to your enrolled balance.
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This estimate does not factor in the time and interest costs that may continue to accrue if you were to repay your debt on your own by making creditor payments over time. Continuing to pay interest can significantly increase the total amount repaid and extend how long it takes to become debt-free.
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All examples are based on average program results and assume timely, consistent monthly payments. Individual outcomes vary depending on factors such as creditor mix, balances, funding pace, and settlement timing. Some clients may reach settlements faster, while others may take longer.
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For a more personalized, good-faith estimate based on your specific creditors, please visit My Settlements in your portal. Please note that settlement savings do not account for potential tax implications or possible impacts to your credit profile.