Which debt payoff program is worth the money? Prices compared, honestly
Every option, with the real price
| Option | Price | What you actually get | Best for |
|---|---|---|---|
| The Debt Free Guide (mine) | $14.99 one time | The exact payoff order, the Small Wins method, the 0% rotation, the mistakes to avoid, and the debt tracker, yours forever | Anyone who wants the full plan for the price of a lunch |
| Undebt.it | Free, or $10 a year for Plus | Payoff calculators for 8 methods, reminders, apps | Spreadsheet people who already know their order |
| Debt Payoff Planner app | Free with ads, Pro from about $2 a month ($27.99 a year) | Snowball vs avalanche, debt-free date, charts | Phone-first tracking |
| EveryDollar | Free, or $17.99 a month / $79.99 a year for Premium | Zero-based budgeting, bank sync on Premium | Budgeting, not a payoff plan |
| YNAB | $14.99 a month or $109 a year | Budgeting method, bank sync, goals, up to 6 users | People who want to budget every dollar by hand |
| Financial Peace University | $79.99 one time (All Access $129.99 first year, then $119.99 a year) | 9 video lessons, class format, 3 months of EveryDollar Premium | Class structure and a faith-based frame |
| Nonprofit credit counseling plan (NFCC agencies) | Setup about $39 to $75, then about $25 to $50 a month, 3 to 5 years | One monthly payment, creditors often lower rates; the cards get closed | People already behind who need lower rates |
| Debt settlement companies | 15 to 25% of the debt you enroll, plus small monthly fees; $7,500 minimum | They negotiate a lower payoff while you stop paying creditors; credit takes a serious hit and forgiven debt can be taxable | A last resort before bankruptcy |
| Debt consolidation loan (fair credit) | Average APR about 27 to 28% in September 2026 | One fixed payment over 2 to 7 years | Only if the APR beats your cards; for fair credit it usually does not |
| 0% balance transfer card | 3 to 5% transfer fee, 0% for 18 to 21 months (Citi Diamond Preferred, Wells Fargo Reflect, Citi Double Cash) | The interest stops while you pay it down | Good credit and a plan; this is the engine inside my method |
| Paid coaching programs for women | $198 (She Wolfe of Wall Street course) to $2,400 (Rich Woman Academy) to $3,998 (Dow Janes) | Group calls, community, templates, accountability | People who will not do it without a weekly call |
Prices are what each company published on Tuesday, September 29, 2026. Card offers and loan rates change weekly; check the issuer before you apply.
How to pick
- If you can follow a written plan: the guide, or the free steps on how to pay off credit card debt without paying for a program. Total cost under $15.
- If you need someone to check on you every week: a coaching program, and budget $200 to $4,000. The math they teach is the same.
- If you are already behind and creditors are calling: a nonprofit credit counseling plan before any settlement company.
- If your credit is good and most of your debt is on cards: the 0% rotation saves more than any program can.
What I would not pay for
A consolidation loan at 27% to "simplify" 24% cards. A settlement company before you have tried counseling. Any program that will not tell you the price before a sales call.
Questions people ask
What is the cheapest debt payoff program?
Undebt.it Plus is $10 a year for calculators, and The Debt Free Guide is $14.99 one time for the complete plan plus a tracker. Everything else is $80 to $4,000.
How much does Financial Peace University cost?
$79.99 one time for the standalone course as of September 29, 2026, or $129.99 for the first year of Financial Peace All Access, which then renews at $119.99 a year.
How much do debt settlement companies charge?
Typically 15 to 25% of the debt you enroll, plus small setup and monthly fees, with a $7,500 minimum. Your credit takes a serious hit and forgiven debt can be taxable.
Is a debt coaching program worth $2,000?
Only if you know you will not follow a written plan alone. The payoff math in a $2,400 program is the same as in a $14.99 guide; what you are buying is the weekly accountability.
Get the guide, $14.99