"Best Overall Credit Counseling Agency"-Investopedia

"Best Overall Credit Counseling Agency"-Investopedia

Debt Management Program

Personalized debt help that puts you back in control!

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Simplify Payments & Ease Stress With a Clear Debt Plan

Feeling overwhelmed by debt? You’re not alone—and you don’t have to face it alone. Apprisen’s Debt Management Program (DMP) is here to help you regain control, reduce stress, and move forward with a clear, manageable plan.

 

Our DMP is designed for individuals who want to pay off unsecured debt—like credit cards—in a structured, simplified way. Instead of juggling multiple payments, you’ll make one monthly payment through Apprisen. We work directly with your creditors to help lower interest rates, waive fees, and stop collection calls, so more of your money goes toward reducing your balance.

 

The Debt Management Program includes:

      • A single monthly payment to simplify your finances.
      • Lower interest rates and waived fees (when available).
      • Creditor partnerships to help you succeed.
      • Ongoing support from a certified financial specialist.

Debt Management Program

Fees for the Debt Management Program are determined by state and income, but will never exceed a maximum $45 one-time set-up fee + $45/monthly.  In cases of financial hardship, fees may be reduced or waived.

IRIS

You’ll start with a comprehensive financial review—either online through IRIS or with a certified financial specialist. From there, we’ll help you determine if a DMP is the right fit. If it is, we’ll build a plan that’s personalized to your income, goals, and lifestyle. You’ll also receive ongoing support and education to help you stay on track and build lasting financial habits.

Program Fees

One-time setup fee and monthly fee, both capped at $45. Fee waivers available for qualifying individuals

DMP Payment Methods

Apprisen offers multiple ways to make your monthly DMP deposit, including our preferred method—AutoPay. It helps you stay on track, avoid missed payments, and build a strong payment history.

You can also pay online or by money order, cashier’s check, or payroll deduction.
Please note: Personal checks, online checks, and cash are not accepted.

FAQ

  • What is the Debt Management Program?

    A DMP is a structured repayment plan that helps you pay off unsecured debt through monthly deposits. These programs are typically offered by accredited nonprofit credit counseling agencies and can reduce stress by simplifying payments and lowering fees.

  • How does it work?

    We work directly with your creditors to create a payment plan that’s easier to manage. You make one monthly deposit to Apprisen, and we distribute payments to your creditors until your program is complete. Most clients finish in 3 to 5 years, but you can pay off early anytime.

  • Can I make extra payments?

    Yes. You’re welcome to make extra payments or pay off your program early.

  • How do I get started?

    You can connect with a certified financial specialist by phone, in person, or through IRIS—our free, secure online financial analysis tool. Get started in minutes. From there, your specialist will review your information and help determine if a Debt Management Program is the right fit.

For a video tutorial on Apprisen’s DMP, go here

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Get Started with IRIS

Financial health happens when you partner with IRIS! Securely submit your financial information to IRIS and receive a free, comprehensive financial plan within hours! This plan is reviewed by one of our live certified Financial specialists. It's the first step on your journey to financial health!
Get Started