 They're saving people just like you on average almost $900 a month. Now think about what you could do with that money. And think about trading a 29, 27, 31% credit card debt for, and I don't know what the rate is, but let's just guess, 7%. And it's really less than that when you consider that you can deduct up to $10,000 in interest in your income tax returns, not so with other interests.