DF4L was created for people with sufficient incomes and the financial means to make regular payments against their existing debt obligations, who also have extra money in their budget, and want a better way to pay-off existing debt usings a modified approach to snowballing their debt. DF4L is not a debt relief or debt settlement program. DF4L does not renegotiate, settle, or in anyway alter the terms of payment, interest rates, or other terms of your debt.