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Debt Settlement Calculator

Debt Settlement Calculator | Relief Strategies

💰 Debt Settlement Calculator

See how much you could save and your estimated monthly deposit

1
Your Debt Breakdown
Unsecured Debt (Settlement Eligible)
These debts can typically be settled for less than you owe
Settlement-Eligible Debt: $0
Federal Student Loans (Separate Relief Program)
Handled through separate relief options with no credit impact
ℹ
Federal student loans are addressed through income-driven repayment plans, consolidation, or forgiveness programs—not traditional debt settlement.
Student Loan Total: $0
Total All Debt
$0
2
Current Monthly Payments (Recommended)

This helps us show you the true cost of your current path. Enter your total monthly payments on settlement-eligible debts only (credit cards, personal loans, medical bills, collections). Do NOT include federal student loan payments - those are handled separately.

Add up all your minimum payments on settlement-eligible debts only (credit cards, personal loans, medical bills, collections). Do NOT include federal student loan payments - those are calculated separately.
⚖️ Important Disclaimer

Educational Estimates Only: This calculator provides educational estimates based on Relief Strategies' average settlement rate of 53% of enrolled debt and typical program fees of 25% of enrolled debt. Interest calculations assume an average 18% APR on credit cards and personal loans. Actual results vary based on your complete financial situation, creditor cooperation, program adherence, and state regulations (some states may have attorney requirements affecting fees).

Program Fees: Our program fee (typically 25-30% depending on state) is performance-based and only charged on successfully settled accounts. This fee covers professional creditor negotiation, legal representation where required, dedicated account management, ongoing financial guidance, and credit bureau support. All fees are disclosed upfront before program enrollment.

Not Financial or Legal Advice: This tool does not constitute financial or legal advice. Results shown are estimates and not guarantees. For personalized guidance and detailed program information, please consult with our certified debt specialists at (888) 870-7922.