As a debt counselor, I know there are a lot of programs available for people to get out of debt. However, people do not stay motivated because they cannot see immediate results of their decisions, and the key to the success of the Money Merge Account from the view of a debt counselor is the software. Bottom line it works, without all the mumble jumble regarding the math configurations..it works ! People stay with the program because the software enables them to make better current and future decisions, it keeps the home owner motivated because of the immediate results being shown with real life ups and down changes. The software give people hope that there really is a light at the end of their tunnel of debt. They can like their forefathers actually burn their mortgage and become debt free. As a counselor, I wonder why anyone would question the cost versus the return. You invest $3500.00, the return is tens of thousands in savings. There is no magic wand, and in reality there are no free rides, what investor would pass on putting in $3500.00 to save/earn $100,000.00 + ? The software get people where they want to be - debt free. There is no price that you can put on that. The American Dream is to own a home - not buy a home. The Money Merge Account gives people the opportunity to learn how to manage their money, to stay motivated and to actually own their home.