Debt solutions made for you.
Job loss, divorce, emergency — it doesn’t matter what got you into debt. We can get you out.
Explore your options
Consulting a debt professional can save you time, money, and stress. No matter what type of debt you have, we have a solution built for you.
Credit Counseling
According to Debt.com, a third of Americans have maxed out their credit cards. Credit counseling offers a free debt analysis and options to get out of debt.
Debt Management Program
Work with credit counselors to lower your interest rates, stop fees, and pay off debt in as few as 36-60 months.
Debt Settlement
Negotiate a lower lump-sum payment with your creditors. From credit cards to private student loans, you can pay less than what you owe.
Bankruptcy
This legal process is a last resort when other methods won’t work. It offers a fresh start from overwhelming debt but can cost thousands of dollars.
Federal Student Loans
Americans owe over $1.6 trillion in government-backed student loans. But there are proven programs that can cut your monthly payments.
See Which Debt Relief Solution Is Right For You
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Getting out of debt isn’t one-size-fits-all. There are dozens of private and government programs, and each one works best under certain circumstances. See how those options might affect you.
Pros and Cons
Let Debt.com Help You Choose the Best Plan
Talk to a debt relief specialist to weigh your options.
Get started onlineAssumptions & Disclaimers
Minimum Payments
Minimum payment calculation assumes an APR of 24% on your credit card debt and each monthly payment is 3% of total amount.
Debt Consolidation
Assumes a loan APR of 16.5% over a 5- year term.
Debt Management Program
Average Interest Rate in a DMP is 8%. Actual interest rates will vary by consumer and creditor.
A DMP might be able to reduce your interest rates and late fees allowing you to pay off your credit card debt quicker (since more payments are applied to your principal balances, saving you lots of money in the long run). To complete the program, you must make on-time payments each month. Late or missed payments may cause your program to be canceled and in that event, this estimate would not apply to you.
Debt Settlement
Rates and terms vary by consumer and creditor. Debt settlement may negatively impact your credit score.
*Debt settlement fees vary by program and state.
