These figures are illustrative estimates for educational purposes only, not an offer, approval, or guarantee. Individual results vary and depend on your specific debts, creditors, and ability to make scheduled deposits. Estimates are based on the prior results of clients who stayed in a program and settled all enrolled debts; they are not a guarantee that your debts will be reduced by any specific amount or percentage, or that you will be debt-free in any specific time. All figures are based on enrolled debts only. Not all debts are eligible and not all clients complete a program. Program fees apply and are only charged after a debt is settled and you have made a payment toward that settlement. A debt-settlement program typically asks you to stop paying enrolled creditors and save into a dedicated account you own; doing so will likely adversely affect your credit, may lead to collection activity or lawsuits, and may increase what you owe through added interest and fees. This is not a loan, not credit counseling, not credit repair, and not bankruptcy, legal, or tax advice. Forgiven debt may be taxable; consult a tax professional. Services are not available in all states.