Debt Relief Outcomes Study · 2016–2025
A Decade of Debt Relief, By the Numbers
$29.3B
(2016–2025)
in consumer savings nationwide
10 years of data. 8,100,000 consumers. The most comprehensive study of debt relief outcomes ever conducted.
Scroll to explore the data
Scale
The Most Comprehensive Study Conducted for This Industry
A 10-year analysis built on real company data, independently scaled.
8,100,000
Consumers represented
54,100,000
Accounts represented
4 months
Average time until first settlement
30%
Average consumer savings
Who Uses Debt Relief
Before enrolling, the typical consumer is under severe financial strain.
Figures reflect the 2016–2022 enrollment cohort only.
$24,920
Average unsecured debt at enrollment
7
Average number of accounts enrolled
610
Median credit score at enrollment — 80% of clients fall in FICO’s “Poor” or “Fair” ranges
In Their Own Words
Spotlight
Troy
Yunia & Angie
Yunia & Angie
Toni
Michael
Marti
Lizette
Speed to Benefit
Savings begin with the first settlement
Based on a $3,600 starting balance, 11% APR, and a common minimum payment formula.
Debt Relief
$3,600debt
4 months
Today
Zero
balance4 months
balance4 months
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Year 11
Year 12
$2,590total paid, all-in
Minimum Payments
$3,600debt
Nearly 12 years
Today
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Year 11
Zero
balanceYear 12
balanceYear 12
$5,900total paid, all-in
The average consumer reaches a settlement after just four months. Most reach a settlement by month 8.Among consumers who settled at least one account.