On average, your interests rates for both credit cards and bank loans will be reduced down to 6% with a DMP, which means lower monthly payments for you. DMPs have a pay off time of 60 months or less. This can shave 15 or more years off of a person’s credit card payoff schedule. That means a ton in interest savings. That savings can be used to pay off other debts, like student loans, car loans, a mortgage, much faster. That money can help fund home improvements, go to a child’s college fund. Paying less to banks, and more to your goals is always in your interest!