See Beyond 20/20 functions under the premise that you will save thousands in interest and pay off debt fast if you know how to allocate your monthly payments to each bill. They will send you a customized statement every month showing you how much to pay on each loan, so you can be debt free quickly.
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Program Details
Company: See Beyond 20/20, Inc
How It Works: The company has developed a calculator software, which runs 2300 different computations on your loans; after finding the easiest loans to pay off- based on interest, principal and other factors- the software comes up with the information you need every month to show you what bills you need to focus on, as well as how much you need to pay so you can be debt free as quickly as possible.
Who Will Benefit by Using See Beyond 20/20?
This service may benefit those people who:
- Are currently able to make monthly minimum payments on all their loans.
- Have multiple loans.
- Are overwhelmed by their bills and don’t know how to pay off debt fast.
- Don’t have time to figure out how to allocate payments to pay off as soon as possible.
- Don’t have a very high debt load.
Benefits Over Consolidation, Settlement, Credit Counseling and Bankruptcy
- Consolidation Loans: Even if you are lucky to get a low interest loan, you will still end up paying more than your owe and won’t necessarily pay off faster. The only benefit will be that you won’t have to write multiple checks every month.
- Credit Counseling: Most of these companies charge 15% of your total balance plus fees and their programs are very inflexible, as a result, many people drop off the program. Sometimes consumers are not allowed to include all loans since some creditors don’t participate in these programs.
- Settlement: If you have a very high loan amount this is a good option, however you can only include unsecured debt.
- Bankruptcy: The most damaging and intrusive alternative. If you are considering this option, please take a look at settlement, which is a much better alternative.
Disadvantages
- The program may not be very effective for balances of $80K or more.
- See Beyond 20/20 is only for people who have multiple loans.
- This plan is NOT for people who are unemployed and unable to make at least minimum payments on their loans.
Bonus: If you sign up, you will have access to a budget creator program that will help you track your money. Additionally, a community forum is being created so participants will have some peer support.
Price: $59.00 yearly
Refund Policy: If you are not satisfied, the company will refund your money up to 15 days after you sign up as long as the information you provided on the debt reduction form was accurate. No refunds will be issued if you cancel your account after 15 days of signing up.
Conclusion: Although you can probably do this system on your own, See Beyond 20/20 is a simple and easy to follow program for those people who don’t want to bother or don’t have time to figure out how to pay off debt fast. Additionally, it is a non-intrusive and inexpensive way to be debt free faster; you pay your own bills, according to your monthly analysis, there is no need to hire credit counseling companies and worry every month wondering whether they sent payments to all your creditors.