Three session formats
Every session is individual and held online or in person in Seoul. Fees are stated in KRW per session and include the working documents you take away.
First session — cash-flow & debt diagnosis
KRW 150,000 · about 75 minutes
We sort your last 90 days of bank and card statements into fixed, variable, discretionary and debt service, then model snowball and avalanche repayment orders against your real balances and rates. You leave with a one-page cash-flow statement and a recommended repayment schedule as a PDF.
- 90-day transaction diagnosis
- Repayment schedule (snowball vs avalanche)
- One-page cash-flow statement
Follow-up session
KRW 90,000 · about 45 minutes
A short check-in three months after the first session, or whenever your income or obligations change. We compare the plan against what actually happened and adjust the schedule — not the other way around.
- Plan vs. actual comparison
- Schedule re-run on new numbers
- Updated repayment finish month
Annual cash-flow review
KRW 120,000 · about 60 minutes
A yearly review for households that have completed a repayment schedule and want to keep the cash-flow plan current as income, rent (jeonse) or family obligations shift.
- Full-year cash-flow review
- Next-12-month plan
- Savings or prepayment decision
What is included in a fee
A session fee covers preparation, the live consultation, and the working documents produced. It does not cover product sales, commissions, or referral fees — NetRelay Debt Planning does not sell financial products and is not paid by any lender.
Cancellation and refund
Sessions can be cancelled or rescheduled up to 24 hours before the booked time at no charge. See our refund and cancellation policy for the full terms.
A note on credentials
NetRelay Debt Planning is operated as a registered Korean business (사업자등록번호 110-81-31416). The consultation is educational planning support. It is not investment advice, tax advice, or a debt restructuring service regulated under Korea’s debt-adjustment framework. Where a situation calls for regulated advice or for individual rehabilitation (개인회생), we say so and refer you to the appropriate channel.