Clients still not getting how debt is a weight around their neck? Log them on to ReadyForZero, a $4.99 a month app that ties credit cards, student loans, auto loans and mortgages into one place. For reps, it’s a tool that can help clients get a mental grasp of their total debt. The app shows clients how much to pay each month to get to zero, and even prioritizes which debt should be tackled first based on interest rates. Plus payments can be made directly from the app.