Do Nothing (Pay Minimum) Credit Counseling Other Consolidation Loans Debt Negotiation Total Unsecured Debt $25,000.00 $25,000.00 $25,000.00 $25,000.00 Months To Pay Off 410 60 60 36 Interest Rate 18.9 % Variable 12 % None Extra Interest Paid $41,455.53 $17,750.00 $8,366.67 None Monthly Payment $750.00 $712.50 $556.11 $444.44 Your Total Cost $66,455.53 $42,750.00 $33,366.67 $16,000.00 Monthly Payments Time In Program (Months) Total Cost $750.00 $375.00 $0.00 410 205 0 $66,455.53 $33,227.76 $0.00 Parameters Total Unsecured Debt : Months To Pay Off : 12 18 24 30 36 42 48 54 60 Average Interest Rate :   Key   Do Nothing (Pay Minimum)   Credit Counselling   Consolidation Loan   Debt Negotiation