Getting out of debt is much easier when you can analyze your debt situation.  That's what this free debt management template using Excel(R) was designed to do. 

Several years ago when I still had college loans, credit card debt, car payments a house payment and limited income, I designed a spreadsheet to plan how to get out of debt.  Since then, I have upgraded it several times and have given away dozens of copies to friends and clients.

It is designed to automatically calculate the fastest way to get out of debt with the least amount of interest cost.  Everyone who has used it loves the way it projects out the payment schedule and even allows for calculation of varying the payment schedule for more savings and faster payoff.

I haven't figured out a way to offer it online, but I can will send it by email on a limited basis.  Anyone interested can request it by sending me an email at  Just ask for the Debt Management template.