ChapterFree debt check
Run your own numbers
A $25,000 balance really costs about $69,766 at the minimum.
See your own number — then see how a debt-relief program compares to a consolidation loan. For many people drowning in minimum payments, relief is the lowest-cost way out.
- Your money stays in your account
- No upfront fees
- It is not a loan
At the minimum payment
$69,800
to clear $25,000 — about 32 yrs 7 mos, with roughly $44,800 of that interest.
Assumes 22% APR and a typical minimum of interest plus 1% of the balance. Illustration only — your numbers will differ.
One consolidation loan
Example: a 5-year loan at 17.5% APR is about $628/mo (~$37,700 total). Example only — not an offer; lending-partner terms vary by credit.
A debt-relief program — often the lowest
Instead of borrowing more, a debt-relief partner works to resolve eligible balances for less than the full amount, in one monthly program deposit. In a $25,000 example, that came to about $17,900 over roughly 2–4 years. Eligibility and results vary; not everyone qualifies, and a debt-relief partner sets the actual terms.
Free · about 2 minutes · checking will not affect your credit score
Why minimum payments cost so much
On a high-rate card, most of each minimum payment goes to interest, so the balance barely moves. Paid that way, a $25,000 balance can take more than 30 years and cost nearly three times what you borrowed. A consolidation loan can shorten that — but for many people a debt-relief program resolves eligible balances for even less.
Example based on $25,000 at 22% APR; illustration only — your numbers will differ.
How a debt-relief program works
No phone calls, no pressure — just a clear look at whether relief fits before you decide.
Start with a free debt check.
Share your balances and budget. There is no obligation, and checking will not affect your credit score.
Make one monthly deposit you can afford.
It goes into a dedicated account that stays in your name and under your control.
A debt-relief partner negotiates eligible balances.
They work to resolve what you owe for less than the full amount, on your behalf.
You approve every settlement.
Program fees come only after a debt is resolved — never upfront.
FAQs
˅Is a debt-relief program the same as a loan?
No. A loan adds new borrowing on top of what you owe. A debt-relief program works to resolve the balances you already have for less than the full amount. Next Chapter Debt Plan connects you with a debt-relief partner; it does not lend money or settle debt itself.
˅Will this affect my credit score?
Checking your options will not affect your credit score. Enrolling in a debt-relief program may involve pausing payments to creditors, which can lower your credit during the program. Many people see it recover as balances are resolved.
˅Does everyone qualify?
No. Eligibility depends on your total unsecured debt, your state of residence, and other factors. The free debt check shows whether a program is a fit for your situation.
˅Is the debt check really free?
Yes. Checking is free and there are no upfront fees. Reputable debt-relief partners are paid only after they resolve a debt for you.