Processing Rate

In an effort to cover the operational costs of our organization and to be compliant with the Internal Revenue Service (IRS), a processing fee is charged to each bill that is processed and paid. This fee is due upon receipt of the Customer Statement.

We want to ensure that you understand every process of the way to reducing your debt with us. Your satisfaction matters most! Kindly use the Processing Rate guide sheet to know how much your Processing Fee will be.

It is important to have your processing fee ready to be paid when it is due.

The calculation for the processing fee is as follows:
PROCESSING RATE x AMOUNT PAID = PROCESSING FEE

The processing rates vary by state and is detailed below:

  • Alabama – 13.8%
  • Arizona – 18.25%
  • Arkansas – 19.3%
  • California – 34.71%
  • Colorado – 12.4%
  • Delaware – 11.75%
  • District of Columbia – 19%
  • Florida – 22.8%
  • Georgia – 14.3%
  • Idaho – 21.5%
  • Illinois – 20.9%
  • Indiana – 32.5%
  • Iowa – 20%
  • Kansas – 23.6%
  • Kentucky – 22%
  • Louisiana – 15.2%
  • Maine – 18%
  • Maryland – 24.7%
  • Massachussetts – 20.7%
  • Michigan – 25.3%
  • Minnesota – 31.2%
  • Mississippi – 33.8%
  • Missouri – 16.2%
  • Montana – 11.5%
  • Nebraska – 18%
  • Nevada – 30.4%
  • New Hampshire – 12.4%
  • New Jersey – 30.825%
  • New Mexico – 22%
  • New York -13%
  • North Carolina – 14.2%
  • North Dakota – 17%
  • Ohio – 17.4%
  • Oklahoma – 14.32%
  • Oregon – 11.9%
  • Pennsylvnia – 28%
  • Rhode Island – 34%
  • South Carolina – 29.5%
  • South Dakota – 14.9%
  • Tennessee – 34.71%
  • Texas – 31.72%
  • Utah – 14.85%
  • Vermont – 29.83%
  • Virginia – 15.7%
  • Washington – 27.3%
  • West Virginia – 25%
  • Wisconsin – 16%
  • Wyoming – 15.2%

Failure to complete the processing fee during the stipulated time will require you to return the grant/award in the full amount to National Debt Consolidation Agency within three business days.

Failure to return the grant/award may blacklist you from receiving future government funding and be used as determination for making the award available to another applicant, and; may result in a lawsuit and legal proceedings.