Debt Management Program

Lower interest rates/payments. Reduced or waived fees. One monthly payment. Support from a Financial Specialist.

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Is Debt Affecting Your Financial Health?

Debt happens. And when it does, it can be incredibly stressful and overwhelming. However, there are attainable solutions for getting yourself out of debt. One option? Apprisen’s Debt Management Program (DMP), which is designed to help you pay off your credit card, medical, and other unsecured debt in a timely manner. The average DMP client is able to pay off all debts in full within 48 months.

When you sign up for a DMP, Apprisen will act on your behalf with your creditors, working with them to establish a reasonable and mutually acceptable repayment plan. We ask creditors to bring your accounts current, lower high interest rates, and stop late or over limit fees. Once your DMP has started, you will be able to make convenient deposits to us, which we send to your creditors monthly.

We want you to be successful, and we’ll be there to help you get on track by providing tools and support during your Debt Management Program. After you complete the program, we will work with you to create a new plan so you can stay on track with your finances.

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.


Ready to receive your personalized debt management plan? Get started immediately with IRIS, our secure interactive financial review expert. Simply share preliminary information including your regular monthly expenses & creditor details. You’ll receive comprehensive analysis & a free custom financial action plan within 24-48 hours.

Program Fees

Apprisen charges nominal fees to cover the cost of maintaining your program. These fees are subject to state regulations but will never exceed a $45 one time set up and a $45 monthly fee. Apprisen does not deny service if you are unable to pay. In cases of financial hardship, fees may be reduced or eliminated.

DMP Payment Methods

For your convenience, Apprisen offers Apprisen AutoPay, our preferred payment method. AutoPay can help you avoid missed or late payments and prevent additional creditor fees while building a good payment history through the program.

You may also make your DMP deposit by online payment, money orders, cashier’s checks and payroll deduction. Apprisen does not accept personal checks, online checks or cash.

*If you’re a DMP client, click here to process your online payment. 


  • What is the Debt Management Program?

    A Debt Management Program is a debt repayment plan set up and managed by Apprisen on your behalf.

  • How does it work?

    We work with your creditors to help develop a more manageable payment plan. Creditors will reduce or stop the interest/fees and may even lower your monthly payment. Once you agree on the plan, you make one convenient monthly payment to us and we send your payments to your creditors every month until the program is completed.

  • Can I make extra payments?

    Yes, you can make extra payments or pay off completely at any time.

  • How do I get started?

    A Financial Specialist will work with you to do a comprehensive budget review and give you a forecast for what your program will look like.

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!