MADISON, Wis. (1/28/10)--Filene Research Institute’s Debt in Focus software tool has helped nearly 120,000 consumers in North America measure their debt and improve their financial fitness, Filene said. The tool was released seven months ago. Debt in Focus provides consumers with anonymous financial assessments and budgeting tools. Users can access the tool through their credit union’s website. Early results show Debt in Focus’ approach has allowed credit unions to reach consumers who are intimidated by traditional face-to-face financial assessments, Filene said. A typical user spends 15 minutes with the tool. Average credit scores of users were 637, and average debt loads totaled $128,000. The tool relies on self-reported data. Half of the tool’s users are under the age of 36. About 75% of visitors to the site said their primary banking relationship is with a credit union.