The remaining principal balance to be paid on the loan, plus the current interest rate Income – Amount: Your average income per pay period; after taxes, garnishments, etc. are taken out? Estimated amount that you spend each month on non-debt expenses. Such as groceries, eating out, insurance, utilities, entertainment, gasoline, charitable donations, etc. We realize that most people’s expenses fluctuate from one month to the next, so we just enter an average, estimated amount here. Monthly Discretionary Income: "Discretionary Income" is the average amount of your monthly income that is left over after paying all of your bills, including entertainment such as eating out or going to the movies. Bank Account - Current Balance (Saving, Checking, Money Market): Balances on bank accounts can fluctuate, so please enter the amount that is currently in the account. One of our Debt Elimination Specialist will conduct the Debt Elimination An