It's Easy.  Just follow these simple Instructions:

1. Fill in the following table with information about every debt you have. 
2. Do NOT include any of your normal monthly living expenses, like rent, food, etc.
3. For each debt, you must fill in all 3 fields. 
    Name of Creditor:  Just type in the name.
    Type of Debt: To help you choice the correct type of debt, examples of each type
    of debt are included in the table at the bottom of this screen. 
    Minimum Monthly Payment: If there is no set minimum payment for a debt, fill in
    what you think a reasonable minimum payment would be.
    [What is a "reasonable" payment, you ask? A good "rule of thumb" is to divide      ]
    [the debt by 48 months. For instance, let's say you owe $5000 on a repo deficiency.]
    [Dividing this $5000 by 48 = a reasonable minimum payment of $104 per month.  ]
4. Filling in payment amounts: Do NOT include the "$" or any commas.
5. When you are finished entering all your debts, click on the "Calculate" button.

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