Debt-Free Calculator Home Debt-Free Calculator Calculator Find Out How Fast You Could Be Debt-Free We specialize in Debt Reduction Services for various types of debt, including: Question 1 — Debt Amount Roughly how much total debt do you have (not including mortgage)? Less than $5,000 $5,001 – $15,000 $15,001 – $30,000 Over $30,000 Question 2 — Debt Type (Unsecured-Focused) Which best describes the debt you’re most concerned about? Credit cards Personal loans Medical bills Store cards / retail credit A mix of the above Question 3 — Credit Score Which range is closest to your current credit score? 720+ 660 – 719 580 – 659 Below 580 Not sure Question 4 — Payment Strain How do you feel about your current monthly payments? I’m managing but want to finish faster I’m starting to feel the pinch It’s hard to keep up I’ve already fallen behind Question 5 — Debt-Free Timeline How soon do you want to be debt-free? Within 1 year 1–3 years 3–5 years As long as it takes, but I want a plan First Name Last Name Email Address Phone Number By checking this box, you consent to receive SMS messages from Optimum Debt Relief regarding appointments. These messages may be sent using an automatic dialing system. Your consent will be documented using Trusted Form, which records a certified copy of your interaction with this form. For more details, please review our Privacy Policy. Send