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Debt Management Program Calculator

Calculate the savings you will receive on your unsecured debt using ACCC's Debt Management Calculator. Below is a list of creditors to choose from. Enter your creditor, current balance and the current interest rate into the calculator and we will compare your current payment plan with that of ACCC's debt management program. In most cases, the financial counseling program will help you pay off debts within five years.

NOTE: This credit card debt management calculator is intended for use with credit cards only. If you have other unsecured accounts, such as loans, medical bills or collection accounts, contact our office at 1-800-769-3571 to find out what your true payment would be in a debt management plan. Please be advised that secured debt, such as home and car loans, and student loans cannot be entered into a debt management plan.

For a quick review of what a debt management program is and how it works to help you get out of debt, watch this quick video and for more information about the benefits of ACCC’s specific program, click here.





American Consumer Credit Counseling (ACCC) provides credit counseling, financial education and debt relief options for individuals and families with too much credit card debt or unsecured personal debt. Our certified credit counselors have helped thousands of consumers find credit card debt relief by learning how to reduce debt and how to get out of credit card debt. Our debt assistance services and debt management plans allow consumers to consolidate credit card bills into a single payment, and provide help with negotiating credit card debt in order to lower interest rates and finance charges, to ultimately eliminate debt through a credit card payoff plan.