What if it seems too high to crawl out of?

Higher the amount of debt, longer the time required to pay it off. Though you haven't mentioned the type of program you are in but a traditional settlement program may take about four years to clear off all your unpaid debts. It can take even longer if you fail to stay current with the program and will cost you more.

However, you are not satisfied with the consultancy company you may wish to drop-out of their program. But before that get all the things clarified if there is any confusion.