Compare debt options with your own numbers.

See how long a fixed payment could take to pay off a debt. This example assumes a fixed interest rate, no fees, and no new spending.

Estimate payments on a fixed-rate loan. This is not an application, loan offer, or approval estimate. The origination fee below is paid separately at the start, not added to the loan.

Use terms from a credit counselor or choose your own what-if numbers. This does not promise a lower rate or that creditors will take part.

Choose every percentage yourself. No settlement rate is prefilled, offered, or predicted. Include fees, and remember that any debt not settled is still owed.

Use actual quotes where possible. This only adds cash costs to file. It does not decide whether you qualify, what debt could be discharged, what property you keep, or how the means test applies.

Ask a bankruptcy attorney what your plan would require and which costs it includes. This tool only adds up a monthly payment and other costs you enter.