Money Fit is a nonprofit Credit Counseling Agency that provides Debt Management Plans to individuals enrolled in our debt management program. We want to be as transparent as possible with anyone who is struggling with debt.
Simply enter your estimated total current credit card balances (how much you owe) and it will calculate your estimated monthly payment through a Debt Management Program. In many cases, the payment required is drastically lower and can help an individual get back on track with their finances. Try estimating your payment for a better idea of how a debt management plan might be able to help you pay your debt on improved terms.
We designed this calculator to show you what you would typically pay if you signed up with us or another credit counseling agency.
Our main goal is to help you find solutions, whether paying on your own or working with a debt management program. Don’t hesitate to call and speak with a Certified Credit Counselor if you have any questions about how a debt management program works and if it would be right for you.
The results provided by the calculator are an estimate, several factors can change the results. You’ll need to speak with a Certified Credit Counselor for a more in-depth quote.
Find important answers, advice, and analysis to a wide range of personal finance topics in our Money Motivations blog.
© 1996-2025 Money Fit by DRS
6213 N. Cloverdale Rd, Suite 130, Boise, ID 83713
Money Fit is a nationwide nonprofit 501(c)(3) organization. We do not lend money.
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NOTE: This sheet is to inform new or returning clients about our services, records, fees, and limitations that may affect you as a consumer of our services. This form also discloses how we might release your information to other agencies and/or regulators. If you do not understand a statement, please ask a Debt Reduction Services (DRS) counselor for assistance.
Debt Reduction Services, Inc. (DRS) has put into place policies and procedures to protect the security and confidentiality of your nonpublic personal information. This notice explains our online information practices and how we use and maintain your information to conduct our financial education and credit counseling sessions and to fulfill information and question requests. This privacy policy complies with federal laws and regulations.
To provide our financial education and credit counseling services, we collect nonpublic personal information about you as follows: 1) Information we receive from you, 2) Information about your transactions with us or others, and 3) Information we receive from your creditors or a consumer reporting agency. We do not share this information with outside parties.
We use non-identifying and aggregate information to better design our website and services, but we do not disclose anything that could be used to identify you as an individual.
You hereby authorize DRS, when necessary, to share your nonpublic personal, financial, credit, and any information that you provided (including any computations and assessments produced) with the following entities in order to help DRS provide you with appropriate counseling or guide you to appropriate services: third parties such as government agencies, your lender(s), your creditor(s), and nonprofit housing-related and other financial agencies as permitted by law, including the U.S. Department of Housing and Urban Development.
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. We limit access to your nonpublic personal information to our employees, contractors and agents who need such access to provide products or services to you or for other legitimate business purposes.
Debt Reduction Services, Inc. complies with the privacy requirements set forth in the HUD housing counseling agency handbook 7610.1 (05/2010), including the sections 2-2 Mc, 3-1 H(2), 3-3, 5-3 F, and Attachment A.5. At all times, we will comply with all additional laws and regulations to which we are subject regarding the collection, use, and disclosure of individually identifiable information.
Please refer to DebtReductionServices.org for details of our services.
You acknowledge that this authorization will remain in effect for the duration of time that DRS serves as your housing counselor or financial education provider. You also acknowledge that should you wish to terminate this authorization, you will notify DRS in writing.
Homebuyer Education Course: $59 per participant
Rental, Fair Housing, Predatory Lending / HOEPA, Post-Purchase (Non-delinquency post-purchase workshop, including home maintenance and/or financial management for homeowners) Online Workshops: $49 per participant
Other Self-Guided Financial Literacy Webinars (e.g. credit, budgeting, homeless prevention, debt prevention): $0
Pre-purchase Homebuying Counseling, Rental Counseling, Post-purchase Ownership Maintenance and Financial Management: $75
Reverse Mortgage/HECM Counseling with Required Certificate:
Credit Report Fee: Paid Directly by Client
*Fees for all but our online education courses and workshops can be paid online by debit card, credit card, or PayPal or in person by cash, check or money order to: “Debt Reduction Services, Inc.” Registration fees are non-refundable 24 hours or less before the start of an in-person course or workshop. Certificates are non-transferable
*Fees may be waived for households with income of 150% or less of that identified on the US Department of Health and Human Services Poverty Guidelines Page
†Home visit counseling is available in 30 southern Idaho counties for potential HECM borrowers at additional costs to cover our travel (IRS reimbursement rates apply) and staff time ($50 per hour or fraction there).
Online EDUCATION Program Fees*
eHome Homebuyer Education Course: $99 per household**
Online Workshops: $49 per participant
Other Self-Guided Financial Literacy Webinars: $0
One-on-one COUNSELING Fees*
Pre-purchase Home Buying, Renter Issues, Homelessness, and Fair Housing: $0
Post-purchase Ownership and Maintenance, HOEPA or Financial Management $75/hr
Reverse Mortgage/HECM Counseling with Required Certificate $200 per household†
Credit Report Fee Paid Directly by Client
*Fees for all but our online education courses and workshops can be paid online by debit card, credit card, or PayPal or in person by cash, check or money order to: “Debt Reduction Services, Inc.” Registration fees are non-refundable 24 hours or less before the start of an in-person course or workshop. Certificates are non-transferable
*Fees may be waived for households with income of 150% or less of that identified on the US Department of Health and Human Services Poverty Guidelines Page
**Household is an individual or a couple
†Home visit counseling is available in 30 southern Idaho counties for potential HECM borrowers at additional costs to cover our travel (IRS reimbursement rates apply) and staff time ($50 per hour or fraction there)
