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*This is an ESTIMATE to help you compare the cost of paying your debts on your own vs. paying them off through Improved Credit Debt Management Program (DMP). This is NOT A GUARANTEED quote. Adding other debts such as collections and medical will increase the monthly payment. The DMP is based on liquidating consumer debts in about five years (60 mos.) because of reduced interest and fees. Actual interest rates vary by creditor and account; your rates could be higher or lower.