Any charges or costs to you are determined at the time the Debt Management Plan is developed while reviewing your budget (income, expenses, and amount of debt). We use a sliding scale based on what you can afford to pay after covering your living expenses and determining what your creditors need. The cost, if any, is worked into your monthly payment. Though many companies are non-profit, they may still bill you for certain services. This should be expected, as fees are simply helping to defray operating expenses for the services.