ChapterFree debt check
The math most people never run
$69,766
That is what a $25,000 card balance really costs at the minimum — about 32 years.
A consolidation loan helps. For many people, a debt-relief program costs even less. Your free debt check shows which one fits.
Example: $25,000 at 22% APR, minimum of interest plus 1% of the balance. Illustration only — your numbers will differ.
How much debt are you dealing with?
Free · about 2 minutes · checking will not affect your credit score
No phone calls, no pressure — your numbers in about two minutes.
Three ways out of $25,000 in card debt
The same balance, three very different totals.
Keep paying minimums
~$69,766
~$708 / mo · ~32.5 years
The cost of doing nothing.
One consolidation loan
~$37,683
~$628 / mo · 5 years
Example: a fixed loan at 17.5% APR. Terms vary by credit.
A debt-relief program
~$17,900
~$427 / mo · ~2 – 4 years
Via a debt-relief partner. Often the lowest total cost; results vary and not everyone qualifies.
See which path fits — free debt check
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.
Waiting has a price
~$458
interest in your first month alone
~$15
added every day
$0
for your free debt check
Get your free debt check
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.