The estimated minimum due on the balance shown — one month's interest plus 1% of what you owe, with a $25 minimum unless you owe less. Paying only the minimum is what keeps the total this high: most of each payment goes to interest, so the balance barely moves.

Estimated payoff time is based on the balance you entered. Figures assume a fixed rate, on-time payments, and no new purchases or extra fees. Your card's minimum-payment rules may differ.

This example uses a 5-year loan with a fixed interest rate. The upfront fee is included in the total but paid separately from monthly payments. Approval and loan terms depend on your credit.

*This calculator estimates a 45% settlement with a 25% program fee. Individual results vary.

Program fees are already included in the monthly deposit shown above. Your deposits go into an account in your name and are used to pay approved settlements and our service fee. Before you enroll, a specialist will walk you through how the program works and what to expect. Settlement amounts and timing vary.