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Woman stressed being contacted by multiple debt collectors
Debt Resolution

Aug 27, 2026

25 min

The 11-Word Phrase to Stop Debt Collectors (2026 Guide)

man breaking piggy bank
Annuity Purchasing

Jul 24, 2026

18 min

When Should I Start Taking Money Out of My Annuity?

a house made from $100 bills
Home Equity

May 27, 2026

18 min

What is a Home Equity Agreement? How it Works, Pros & Cons

Judge Dismissing Debt Lawsuit
Debt Resolution

Aug 14, 2025

10 min

How to Get a Debt Lawsuit Dismissed

Earn a high-yield savings rate with JG Wentworth Debt Relief

Try the JGW 70-Day Financial Fitness Challenge

by

JG Wentworth

April 28, 2023

1 min

Game pieces that spell out a hybrid of "wealth" and "health"

According to a study from University College London, it takes just over two months on average for a person to form a habit.

When it comes to improving your financial life, it takes discipline and consistency. You need to commit to yourself to form healthy financial habits and meet your goals.

That’s why we’ve started the 70-Day Financial Fitness Challenge!

Want to know how the challenge works? Our free, printable worksheet can help you get organized and track your progress.

Download here!

 

Sources cited

1. Clear, J. (n.d.). How long does it actually take to form a new habit? (backed by science). James Clear. Retrieved from https://jamesclear.com/new-habit

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The numbers we provide here are estimates based on some assumptions:

On your own:

Based on industry averages, we estimate a monthly compounding interest rate of 22.99% and that you are making a minimum payment that is 2.5% of your total debt.

JGW:

The length of your program is determined by your debt amount. Programs are between 24 and 60 months in length and average program length is around 42 months.

Savings amount is an estimate base on average customer savings on their monthly payment. Real results will vary and some customers will save more, less or not at all.

Disclaimer: The calculator on this web site is for estimation and educational purposes only. JG Wentworth makes no guarantees regarding its accuracy and specifically disclaims any and all liability arising from the use of this or any other calculator on this web site. Use at your own risk and verify all results with an appropriate financial professional before taking action. We are not registered investment advisers, attorneys, CPA’s or other financial service professionals and do not render legal, tax, accounting, investment advice or other professional services.

Your entered value is significantly different from our estimate. You can adjust it for accuracy, or continue as is.

FYI, this option
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This could include items you own such as
Your vehicle
Housing fixtures
Using collateral can boost your approval chances and/or ability to secure a lower APR. Would you like to continue?