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.
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Scale
The Most Comprehensive Study Conducted for This Industry
A 10-year analysis built on real company data, independently scaled.
2,900,000
Consumers in the underlying sample
8,100,000
Consumers represented once scaled
19,700,000
Enrolled accounts in the sample
54,100,000
Accounts represented once scaled
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
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Testimonial 1 — client name, TK
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Testimonial 2 — client name, TK
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
96% of clients who ultimately reach a first settlement do so by month 8.