1. A system for enrolling an individual who has a financial obligation to a third party in a payment program comprising: at least one processor; at least one computer having a display operatively connected to the at least one processor and an input device operatively connected to the at least one processor, wherein the at least one computer comprises a first computer that communicates with a second computer through an information sharing network; an interactive user application running on the at least one processor; and a graphical user interface generated by the interactive user application and displayed on the display, the graphical user interface displaying a list of payment programs; the graphical user interface further providing an interface for displaying a description of the listed payment programs on the display and for receiving enrollment information regarding a payment program and enrolling the individual in a payment program based at least in part on the enrollment information.