Debt help: pay it off faster
A clear plan plus the right math is how you get out of debt for good. Use these free tools to compare payoff strategies, plan a consolidation and find your debt-free date — then follow the step-by-step guides.
Calculators
Debt payoff calculator
Snowball vs avalanche across all your debts — payoff date + interest saved.
Open calculator →Debt consolidation calculator
Current debts vs one consolidation loan — interest and time saved.
Open calculator →Credit card payoff calculator
Minimum vs fixed payment — months to debt-free and total interest.
Open calculator →Debt-to-income calculator
Your DTI ratio and how lenders read it for approval.
Open calculator →
Popular scenarios
Guides
How to get out of debt: a step-by-step plan
A simple, five-step plan to go from overwhelmed to debt-free — with the math to back up every decision.
Read guide →Debt snowball vs. avalanche: which is better?
Two proven payoff strategies, one key trade-off: motivation versus math. Here's how each works and how to pick.
Read guide →Is debt consolidation worth it?
Consolidation can save real interest or quietly cost you more. The deciding factor is simpler than most people think.
Read guide →
Frequently asked questions
What's the best way to get out of debt?
List every debt, build a small buffer, then attack debts with a strategy — highest APR first (avalanche) to save the most interest, or smallest balance first (snowball) for motivation. Lowering your rates with a transfer or consolidation speeds it up.
Should I consolidate my debt?
Only if a consolidation loan's rate is meaningfully below your current debt and you won't run the cards back up. The consolidation calculator compares the two at the same payment so you can see the real saving.