Yes. A DebtWave counselor can review your debts, budget and creditor information to estimate your potential payment, interest rates, fees and payoff period.

Estimates are not guarantees. Final terms depend on creditor approval and account eligibility after enrolling.

No. Credit counseling is designed to help you understand your financial position and available options. You are not required to enroll in a debt management program after completing a counseling session.

Start by listing every balance, interest rate and minimum payment. Then create an honest monthly budget that separates essential expenses from discretionary spending.

You can also speak with a DebtWave certified credit counselor for a free financial review and personalized debt-repayment options. Call (888) 686-4040 or get started online.