Providing online software, namely, providing temporary use of on-line non-downloadable cloud computing data-aware scale-out computer network-attached storage (NAS) software for use in creating and managing of personalized financial strategies and plans to resolve debt obligations; providing temporary use of on-line non-downloadable cloud computing software for use in programming flash-first hybrid storage; providing temporary use of on-line non-downloadable cloud computing programmable flash-first hybrid storage software for use in creating and managing of personalized financial strategies and plans to resolve debt obligations; Providing temporary use of on-line non-downloadable cloud computing software in the field of financial advisory and consulting, namely, software for use in creating and managing of personalized financial strategies and plans to resolve debt obligations