Simple, Transparent Pricing
Choose the plan that fits your needs. No hidden fees.
Free
Build trust with a quick analysis
What's included:
- ✓Quick Debt Analysis
- ✓Payment Estimate
- ✓"DMP or DIY?" Recommendations
Standard Prep Kit
One-time payment
Complete DMP preparation package
Everything in Free, plus:
- ✓Credit Pull (soft inquiry)
- ✓Plaid Income Analysis
- ✓AI Hardship Scoring
- ✓Professional Budget PDF
- ✓Personalized Hardship Letter
- ✓Complete DMP Intake Packet
- ✓Nonprofit Counselor Directory
Ongoing Support
Cancel anytime
Stay on track during your DMP
Includes:
- ✓Progress Tracking Dashboard
- ✓Late Fee Alerts
- ✓Spending Insights
- ✓Monthly Debt Updates
- ✓AI Accountability Chatbot
Frequently Asked Questions
Why is the Standard Prep Kit only $29.99?
Traditional credit counseling agencies spend 2-3 hours per client on manual intake. Our AI does this in 15 minutes, allowing us to pass the savings to you. Plus, we don't charge for DMP enrollment like some agencies.
Does the credit pull affect my credit score?
No. We only use soft pulls, which do not impact your credit score. Soft inquiries are visible to you but not to lenders or creditors.
Do I need the subscription if I buy the Prep Kit?
No. The $29.99 Prep Kit is a one-time purchase that gives you everything you need to start a DMP. The $5/month subscription is optional for those who want ongoing tracking and accountability during their DMP journey (typically 3-5 years).
What if I'm not approved for a DMP?
The free tier will tell you if you're likely to qualify before you pay anything. If you purchase the Standard Prep Kit and a counselor determines you're not eligible for a DMP, we'll provide a full refund within 14 days.
How is this different from credit counseling?
DebtPrepAI is not a credit counseling service. We prepare the documents and analysis you need before meeting with a certified counselor. Think of us as prep work that saves you and the counselor time. A human counselor must still review and approve your DMP.
Can I cancel the subscription anytime?
Yes. You can cancel your subscription at any time. There are no cancellation fees or penalties. Your access continues until the end of your current billing period.
Money-Back Guarantee: If you're not satisfied with the Standard Prep Kit, we'll refund you within 14 days.
Secure & Private: All data is encrypted with AES-256. We never sell your information.
⚠️ Important: DebtPrepAI is an educational technology platform. We do not provide credit counseling, financial advice, or debt settlement services. The Standard Prep Kit prepares documents for your meeting with a certified credit counselor. A licensed counselor must review and approve any DMP before enrollment. Estimates are approximations and not guarantees.