Bank Loan	Credit Counseling	PAYS® Plan	Do Nothing (Pay Minimum)
$ 30,000.00 Total Unsecure Debt	$ 30,000.00 Total Unsecure Debt	$ 30,000.00 Total Unsecure Debt	$ 30,000.00 Total Unsecure Debt
60 Months to pay off	60 Months to pay off	24 Months to pay off	395 Months to pay off
11% Interest Rate	9% Interest Rate	NONE Interest Rate	23.9% Interest Rate
$ 9,136.36 Extra Interest Paid	$ 7,365.04 Extra Interest Paid	NONE Extra Interest Paid	$ 206,110.24 Extra Interest Paid
$ 39,136.36 Your Total Cost	$ 37,365.04 Your Total Cost	$ 16,800.00 Your Total Cost	$ 236,110.24 Your Total Cost
$ 652.27 Monthly Payment	$ 622.75 Monthly Payment	$ 712.50 Monthly Payment	Variable Monthly Payment
$ 22,336.36 Total Costs Over PAYS	$ 20,565.04 Total Costs Over PAYS		$ 219,310.24 Total Costs Over PAYS

Above estimates include PAYS^® fees after settlements are reached.

The Pay As You Settle® debt settlement program does not charge until a settlement is reached by both parties and executed. After a settlement is reached PAYS will not earn more than 25% of the total amount of saved depending on state and licensing.

Your Total Cost is an estimate, based on the average payments to creditors of our clients who complete the PAYS program, and it includes all PAYS fees. Because this is an average, your final cost may be more or less than this amount. Not all consumers who start the PAYS program finish it, and the debt calculator does not factor in their experiences.