Gotcha. Also, the minimum payment that I was able to select was about $200 more than my current credit card minimum payments. I also was able to select a "how much I can pay" number that wasn't allowed:

"The payment plan and terms selected are not compatible"

That's what I get after I click "Choose this plan and start". It took me a few times to figure out why I got that error. I had to fiddle with the monthly payment to get it above a number that was "compatible".