Debt Solutions Center

There is no single solution that works for everyone. This resource center explains each major approach to resolving debt so you can make an informed decision about what fits your situation.

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Debt Relief / Settlement

Reduces principal

Negotiate with creditors to settle debts for less than the full amount owed. Best for large unsecured debt you can't fully repay.

24–48 mo · 15–25% fee

Debt Consolidation Loans

Requires good credit

Combine multiple debts into a single loan with one fixed payment, ideally at a lower interest rate.

24–60 mo · Interest + origination

Credit Counseling / DMP

Full repayment

Work with a nonprofit agency to reduce interest rates and repay your full balance through a structured Debt Management Plan.

3–5 years · $0–$79/mo fee

Bankruptcy

Legal process

A federal legal process offering a fresh start. Chapter 7 discharges most debts; Chapter 13 restructures repayment.

3–6 mo (Ch.7) / 3–5 yr (Ch.13)

DIY Debt Payoff

Self-directed

Use the debt avalanche or snowball method to pay off debt on your own — no programs, no fees, full control.

Varies · No program fees

Not sure which direction to take? Our free assessment considers your debt size, income, credit, and goals to suggest the most appropriate starting point.

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