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Credit Counseling vs Debt Consolidation Calculator

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What do you get?

  1. Estimate Credit Counseling Qualification
  2. Compare Cost and Duration Between Credit Counseling and Debt Consolidation
  3. Understand Detailed Pros and Cons of Both Options

What does it take?

  1. Usually Takes 2 - 5 Minutes
  2. 100% Free Calculator
  3. No Phone Or Email Required Unless Additional Assistance Requested

Ascend Estimates Your Cost and Duration Of Debt Options Holistically and Unbiasedly. See What Others Say About Our 100% Free Service.

5.0/5.0 - 306 Reviews
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Sandy Vazquez
 07/05/2024
Chelsea has been a true angel! I’ve spoken with her over the last few weeks after I saw their contact number on a YouTube video. She was always so friendly, knowledgeable, and so helpful. She connected me with a local non profit who reduced my interest rates from 30% down to 7%! I cannot thank her and the scene team enough. They truly just want to help people gain financial freedom! I’ll recommend them to everyone!
Matthew Brady
 07/05/2024
Found them from a random YouTube video while doing some research and they are fantastic. I kept waiting for them to ask for some form or payment or bombard me with calls and emails after I filled out the survey and it never came. Everything is 100% free and truly just want to help people
Sheryl Venzon
 08/05/2024
I spoke with Emma regarding financial debt I was trying to get resolved. She was so informative and really looked into what the best option was for me. She didn’t speak badly about another company I was trying to work with and looked at the best interest of my current situation. Being that my accounts are all current and I was just looking for something that would help out with lowering my interest rates while paying off my credit cards in a more timely manner with a manageable monthly payment, she directed me to a company that totally worked with me and my issues. They even gave me consultation on my finances and advice on what I should cutback on. With that said, if you are looking into a company that could help you get out of a bind, Ascend really gave their sincere advice and pointed me in the direction that works in my best interest and for that, I am truly grateful.
Approximately how much student loan debt do you have?
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Approximately how much unsecured debt such as medical, credit card and personal loans do you have? Please do not include auto or student loans.
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Which of the following best represents your approximate unsecured debt?
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Are you sure that you only have $0 in unsecured debt?
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Why are you considering debt relief such as bankruptcy to eliminate $0?
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Would you estimate that your total unsecured debt (credit cards, loans, medical debt, other debt etc.) is over $10,000?
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Which of the following describe your unsecured debt? Check all that apply
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What best represents the status of your credit cards?
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What is your marital and filing status?
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How many people do you take care of in your household (including yourself)?
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You answered there is only one (1) person in your household, but you are married. Please confirm the number of people in your household.
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How many people in your household are 65 or older?
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Are you 65 or older?
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How many of your dependants (excluding a spouse) are over 18 years old?
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What is causing you to consider debt relief?
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Which best describes the debt?
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What best describes why you are considering debt relief?
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What is the status of the divorce?
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Do you have a pending foreclosure sale?
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What is the unexpected expense?
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What is the status of the wage garnishment?
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Have you filed bankruptcy in the past 6-8 years?
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Have you filed a Chapter 7 bankruptcy in the past 8 years?
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Have you filed a Chapter 13 bankruptcy in the past 6 years?
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When would you want to make a decision to pursue debt relief?
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Have you received a quote from any of the following services?
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Which of the following is the name of a debt relief firm?
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Debt Relief Firm Name
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Debt relief companies are notorious to state the pros but downplay the cons. Which of the following cons did they NOT cover in detail?
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When did you start the program?
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What is the quoted monthly payment amount?
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How many months are quoted for the program?
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How likely will you sign up with this debt relief provider?
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Bankruptcy Firm Name:
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Did you receive a quote?
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What was the quote?
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Would you like another free bankruptcy consultation to compare attorney fees and options?
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Debt management can be beneficial, but too expensive for many people. Are you able to keep up with the payments?
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Would you like us to compare other options for you that may fit your budget better?
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First Name
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Phone Number
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What is your zip code?
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Income:

How often do you receive a paycheck?
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How much do you receive in your paycheck BEFORE taxes?
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How often does your SPOUSE receive a paycheck?
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How much does your SPOUSE receive in their paycheck BEFORE taxes?
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Estimated monthly overtime income
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Which of the following best represents your approximate annual overtime income?
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Do you receive income from any other sources, e.g. SSN income, VA disability, business, retirement, alimony, child supports, etc.?
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SSN Benefits monthly income
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VA Disability monthly income
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Business monthly income
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Teacher's annual income
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Retirement monthly income
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Alimony monthly income
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Child Support monthly income
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Other monthly income
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How consistent is the amount of your income?
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Accurate Income is Important

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Is your household annual income approximately $0
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Living Expenses:

What is your current living situation?
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Approximately how much equity (the difference of owed amount less value) do you have in your home?
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Have you looked into any of the following options to tap into home equity (Select all that apply)?
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Have you applied or are you in the process for any of the options selected above?
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Would you like to learn more about any of the potential options available?
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Approximately what is your home's value?
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Do you currently have any liens on the property?
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Monthly 1st mortgage payment
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Monthly 2nd mortgage payment:
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Monthly rental expenses for your residence (includes rent payment)
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If applicable, how many months are your behind on your mortgage as of this month?
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Do you want to keep this asset?
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If applicable, how many months are your behind on your 2nd mortgage as of this month?
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Do you own equity in any high value assets such as a vacation home, boat, RV, etc?
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How much equity do you own in these high value assets?
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Do you have any other assets of value greater than $1,000, including stocks, individual brokerage accounts, or retirement accounts?
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What is the value of your retirement account?
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What is the value of your non-retirement account?
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Automobile Expenses:

How many vehicles do you own or lease? Please include your spouse's vehicle(s) if they are filing with you.
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Automobile 1

Monthly automobile payment:
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What is the Year, Make, and Model of this vehicle?
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Approximately what is the interest rate of this vehicle?
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Is this vehicle titled in your name?
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If applicable, how many months are your behind on your automobile as of this month?
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Do you want to keep this asset?
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Automobile 2

Monthly 2nd automobile payment:
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What is the Year, Make, and Model of this vehicle?
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Approximately what is the interest rate of this vehicle?
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Is this vehicle titled in your name?
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If applicable, how many months are your behind on your 2nd automobile as of this month?
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Do you want to keep this asset?
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Other Expenses:

Do you have any outstanding balance on any such loans as jewelry, furniture, tvs, etc.?
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What is the balance of these loans?
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Do you want to keep this asset?
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What is the monthly amount that you pay for other debt that is secured by an asset, such as an RV, jet ski, jewelry, etc.?
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Which of the following best represents how much you pay annually to this secured debt?
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Did you receive a refund in your most recent tax filing?
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Tax debt in arrears
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What are the tax years for the owed debts?
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Did you file a return for all those years?
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Approximately when were the returns filed?
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Do you owe any domestic support obligations such as child support or alimony in arrears?
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Alimony in arrears
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Child support in arrears
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Almost There!

Which of the following options would you like to compare to Debt Consolidation and Credit Counseling? Check all that apply
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Which of the following do you prefer?
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Would it be okay if we also sent you an email with your results and how to edit them in the future if you are not ready to take any actions?
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Note: Ascend and/or a reputable provider who is licensed in your area will contact you shortly to review the information provided in a free phone evaluation. Please do not pay for the first consultation as it should be 100% free and informational to help you determine your best debt relief option. By selecting a partner above to reach out to you, you agree that a partner may contact you (including autodials, pre-recorded calls, and SMS) to answer your questions about relief.

First Name
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Last Name
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Email address
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Phone Number
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You additionally give your consent to receive SMS text messages, phone calls or other communications from a bankruptcy attorney, Ascend, or another service provider to facilitate communication regarding your debt relief options, according to our Privacy Policy and Terms of Use. Message frequency varies. Standard message and data rates may apply. Text HELP for more information; text STOP to unsubscribe.
Disclaimer: Ascend strives to keep its information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty, and estimated APR and other terms are not binding in any way. All loans presented on this page have a maximum APR of no greater than 35.99% with terms not less than 12 months to not more than 60 months. As an example, a $10,000 loan with an APR of 14.50% and a term of 36 months would cost $12,391.55 over the life of the loan. All rates are determined by the lender and must be agreed upon between the borrower and the borrower's chosen lender. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, and credit history. All loans are subject to credit review and approval. When evaluating offers, please review the lender and/or lending partner's Terms and Conditions for additional details.