This is not a straightforward answer. Everyone’s length of time with the program depends on their unique situation. There are several factors that must be considered. Two of these factors are the creditor and the debtor. It depends on how much debt you have and how much you are able to pay back each billing period and whether the creditor will accept the terms under which you can pay back your debt. Typically consumer credit counseling services take about 3-5 years to complete their program when paying off unsecured debt.