Debt relief, consolidation loans, nonprofit credit counseling, and free help with utility, medical and rent bills. Take a 30-second quiz to see which options may fit your situation.
These suggestions are general information based only on your answers, not financial advice or an offer of credit. Partner eligibility, fees and availability vary by state.
Compare insurance, phone, internet, electricity and subscriptions to see if you could pay less.
Lower your billsEvery option has trade-offs. Compare before you commit.
A certified counselor reviews your budget and may set up a debt management plan that can lower interest rates. Usually low or no cost.
Find an NFCC counselorCombine several debts into one fixed monthly payment. Approval and rate depend on your credit and income.
Compare loan offersA company negotiates with creditors to accept less than you owe. Typically for $10,000+ in unsecured debt.
Can seriously hurt your credit, creditors may sue, fees apply, and forgiven debt may be taxable income.
Get a free consultationA legal option with long-term credit impact. Legal aid may be free if you qualify.
Find free legal helpGovernment and nonprofit programs. These are free to apply to; we are not paid for these links.
Call or text 211 to reach a local specialist who can connect you with rent, utility, food and other assistance near you.
211.orgThe federal Low Income Home Energy Assistance Program helps eligible households pay heating and cooling bills.
LIHEAP infoKnow your rights under the No Surprises Act, and ask hospitals about financial assistance (charity care).
Medical bill rightsFind local rental assistance and housing counselors approved by HUD.
Find a housing counselorThe FTC explains warning signs, like upfront fees or promises to stop all collection calls.
FTC guideRequest a free, no-obligation call about your options.
No. We are an independent comparison site. We are not a lender, debt relief provider, credit counselor or law firm, and we don't make credit decisions.
No. No one can guarantee results. Outcomes depend on your creditors, your finances and the program you choose.
Usually, yes. Settlement programs often require you to stop paying creditors, which can lead to late fees, collections, lawsuits and lower credit scores. Forgiven debt over $600 may be reported to the IRS as taxable income.
Under the FTC Telemarketing Sales Rule, for-profit debt settlement companies selling by phone generally can't charge fees before they settle or reduce at least one of your debts.
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