DEBT REDUCTION MADE EASY

BOUNTIFUL, UTAH -- Feb 20, 1994 -- Insight Software Solutions today
announced the initial release of The Debt Analyzer for Windows, a
financial software package which helps a person reduce and eliminate debt.
Now the techniques used by banks and credit counselors can be used in the
comfort of your own home. You can produce debt elimination and loan
consolidation schedules which can illustrate hundreds of dollars in
potential savings.

"In 1991, over 750 billion dollars were extended to consumers as credit in
the United States. In the same year, 880,000 bankruptcies were filed and
another 1,123,000 were pending. The Debt Analyzer is a software package
which addresses the consumer debt problem in this country and can help
bring it under control." said Michael D. Jones, President of Insight
Software Solutions.

The debt elimination schedule is designed to take all your current debt
information and project a possible solution for eliminating your debt. The
solutions generally show significant savings in interest (interest that
does not go to the creditor) by following the schedule instead of merely
making your current payments.

How does debt elimination work? Each of your debts is given a priority.
Each month, your payments are made to each debt. Once one debt is paid
off, then that payment is then applied to the highest priority debt. This
accelerates the payment on the highest priority debt. The loan
acceleration is what produces the interest savings. Several options are
available which can help accelerate and optimize your debt elimination
schedule. These include "using minimum payments", applying "extra
payments" and selecting one of nine predefined "priority methods".

The loan consolidation schedule is designed to take all your current debt
information and combine it into a single new loan. How does it work? Loan
consolidation assumes that the new loan has an overall lower interest rate
than your existing debts. This results in lower overall payments and less
interest paid. The Debt Analyzer allows you to create loan consolidation
schedules and will determine the amount of money you can save by doing
so.

A variety of options are available to tailor the loan consolidation to your
specific needs. These include the ability to specify the term or payment
of the consolidated loan or the sum of all debt payments may be used as
the consolidated loan payment.

Professional reports, schedules, charts and summaries can be viewed or
printed. The program contains an advanced filing system where multiple
scenarios for an individual, family members, friends or clients can be
maintained.

Entering debt information is easy. Simply enter the name of the debt--a
credit card, car, mortgage or any type of loan. Next enter the minimum
payment, current payment, balance and interest rate. Interest rates may be
entered as a daily rate, monthly rate, APR (annual percentage rate) or
annual effective rate.

The price of The Debt Analyzer for Windows is $25.00 and may be obtained
from Insight Software Solutions, P.O. Box 354, Bountiful, UT 84011-0354,
(801) 295-1890. Site licenses are available.

Founded in 1990, Insight Software Solutions is a producer of financial
software packages designed for the professional and the average user. The
company provides easy-to-use and feature-rich software at a reasonable
price. The Debt Analyzer is the first of several programs to be written
for the Windows environment. Other DOS products include Loan Chief,
Annuity Ace, The Interest Analyzer and The Mortgage Analyzer.

Insight Software Solutions
PO Box 354
Bountiful, UT 84011-0354
801-295-1890,  fax 801-299-1781,  BBS 801-963-8721 (Conference 4)
CIS: 71672,3464

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