When you are in debt, the last thing you need is to have to pay for software to help you manage your debt. With this program you can discover:-How many years/months it will take you to pay off your credit card-The actual date the card will be paid off at the current rate-A payment by payment breakdown of what you will spend-How much will be spent on interest overall at that rate.You can also use this for other loans like collegeloans.