The Process

How DEBT Advisory360 Works

A transparent, step-by-step guide to understanding your debt analysis and what happens with your data.

1Complete the 7-Step Wizard

1
Personal Information
Name, ID, employment status, dependants, and contact details.
2
Income Details
Gross salary, net salary, and any additional income sources.
3
Debt Obligations
All creditors, loan types, balances, monthly payments, and overdue status.
4
Salary Deductions
PAYE, NAPSA, NHIMA, union dues, loan repayments, and garnishments.
5
Assets
Property, vehicles, savings, investments, and other assets.
6
Monthly Expenses
Rent, food, transport, utilities, education, and all living costs.
7
Documents
Upload payslips, loan agreements, bank statements for verification.

2How Your Debt Score is Calculated

Your Debt Score (0–100) is calculated by our proprietary engine using five weighted factors. A higher score indicates a healthier financial position.

50%
Debt-to-Income (DTI) Ratio
The most critical factor — what percentage of your income goes to debt payments.
20%
Overdue Debt Status
Whether any debts are in arrears and for how long.
15%
Garnishment / Legal Action
Active salary garnishments or court orders significantly impact your score.
10%
Disposable Income
How much remains after expenses — negative disposable income is a critical flag.
5%
Asset Coverage
Whether your assets can cover your debts if needed.
70–100
Low Risk
50–69
Moderate Risk
30–49
High Risk
0–29
Critical Risk

3Free Preview vs Paid Tiers

Free PreviewK0
Debt Score (0–100)
DTI Ratio
Risk Status (Low / Moderate / High / Critical)
Top 3 Risk Flags
Monthly Cash Flow Summary
BasicK30
Debt Score (0–100)
DTI Ratio
Risk Status (Low / Moderate / High / Critical)
Top 3 Risk Flags
Monthly Cash Flow Summary
StandardK50
Debt Score (0–100)
DTI Ratio
Risk Status (Low / Moderate / High / Critical)
Top 3 Risk Flags
Monthly Cash Flow Summary
PremierK100
Debt Score (0–100)
DTI Ratio
Risk Status (Low / Moderate / High / Critical)
Top 3 Risk Flags
Monthly Cash Flow Summary

4Your Data Security

All data is encrypted in transit and at rest.
Your financial information is never sold or shared with third parties.
Documents are stored securely and only accessible by you and assigned analysts.
You can request deletion of your data at any time.
Start My Free Analysis
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