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Debt Settlement Estimator

Adjust the settlement rate and fee to match a company's quote, and see the full cost side by side with paying minimums.

Last reviewed November 2026
Paid to creditors
Company fees
Total you pay
Monthly deposit needed
Less than original balance
Paying minimums instead (interest + 1%)
Forgiven debt that may be taxable

Not included: late fees and interest that build before each account settles, possible lawsuits, and credit damage. Not everyone finishes a program. Read how settlement works before enrolling.

Want to compare this with a plan that protects your credit? See settlement vs. credit counseling.