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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.


Quick Amortization




Get Your Debt Management Plan


American Consumer Credit Counseling, a not-for-profit organization, is dedicated to helping consumers lower credit card debt and learn how to be debt free in the future. We offer free credit counseling where our highly trained credit counselors review consumers’ finances and credit card debt problems¸ offer credit card debt advice, and help to find the best strategy for paying down credit card debt. Counselors can also provide education around many common debt reduction strategies, including debt management, credit card debt settlement, bankruptcy, and debt negotiation services. We can compare the advantages and disadvantages of debt consolidation vs. debt settlement plans offered by debt reduction companies, and help consumers choose the plan best suited to their financial situation.

American Consumer Credit Counseling - Consolidate Debts - Better Business Bureau American Consumer Credit Counseling - Consolidate Debts - Mass Housing Approved National Industry Standards for Homeownership Education and Counseling American Consumer Credit Counseling - Consolidate Debts  - Council on Accreditation American Consumer Credit Counseling - Consolidate Debts  - NFCC Member