Your focus should be paying off your debt as quickly as possible and at the lowest cost to you. But if you continue to pay only your minimums, you could pay two or three times more than what you originally borrowed. And depending upon the amount of debt and the payment terms, 10, 15, maybe even 30 years to pay it back! This is not a plan.

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Make the smart financial decision and restructure your debt based on terms you can afford and pay less than what you currently owe. By completing our program, you could save thousands of dollars and be debt free sooner than you ever thought possible. Now that's a plan!