The goal is straight forward. It is to clearly show you how you can save a great deal of money by being smarter about how you manage your debt responsibilities. If you are smarter you will earn a better credit score and you will pay less in interest. This part is simple: the higher your credit score, the lower the interest rate you are offered for things like houses and cars. If you are looking to avoid paying what you owe, this is not for you.
Each debt is evaluated based on a trade secret assessment of the 'threat index (TI)' that each debt presents to your financial well-being. Because of the way creditors apply your payments, the TI may change from month to month. Armed with this insight we suggest, on a month-to-month basis, how to apply payments to specific debts.
We provide you with several things:
- Information and insights to serve you for a lifetime of managing your credit.
- Multiple alternative plans for you to pick from to speed up reducing your debt.
- Plans with varying degrees of aggressiveness. The plan you choose depends on you but any plan will save you a great deal on the interest you pay.
- Insights into the real costs of the lender plan to keep you in debt longer.
- A periodic newsletter that highlights the potholes in the latest promotions we are seeing.
- One year of Plan Recalculations in case there are major changes to your situation.
- How your credit score is calculated
- And much more
The cost for all of the above is $139 . This is about one college credit. It's this simple. For the cost of one college credit you LEARN how to read between the lines and think critically about what you are doing. This program is not about giving you a loaf of bread but teaching you how to bake bread. The specific plan is a bonus to show you how well YOU can do managing your debt smartly. This is part of the education you did not get in school. Isn't it time you get started?
If, on the other hand, you cannot see the value of learning how to better manage your debt and you are bound and determined to throw your hard earned money to strangers, you may send us a check in any amount you like to the address in the Contact Us window. Sounds crazy? Well isn't that what you are doing when you don't do everything you can to reduce the money you spend on credit card interest?
After the first year, at your option, if you need to, you may purchase an additional 12 months of Plan Recalculations for $29.
The process is simple. You provide the 'money' details of your current debt. We do not ask for anything but that - no details of your accounts, no card numbers, and no social security numbers. In short, nothing that could be used to hurt you.
We review the data, evaluate the TI's, create the alternative plans, and send them to you. This, together with insights and suggestions on how you can better manage your debt finances and credit score, will increase your financial IQ and will save you money for other things - things you choose.
The Debt Navigator Plan is unique - information you can apply over and over to improve your financial IQ, allowing you to better manage your credit score AND a customized map showing the route to debt freedom. You pay for it once (like buying a book), but the information it contains repays you many times its cost - with no surprises, no hidden costs and no negative consequences. You have nothing to loose so why not get started now?
