Four years it has taken me to pay off 20,000. in debit. With all the fees and interest I was being charged by the credit card companies I knew I would never have it paid down. Thanks to Del Ray it is now gone. And the small monthly processing fee that Del Ray charges is nothing compared to the interest and fees I was paying on my debit. I know four years sounds like a long time, but I know with out my enrollment in there program I would still be in debit today. Thank You Cheryl G