Finance
Debt Management

Debt Management

Dealing with debt can be overwhelming. Use our resources to learn the best ways to manage your debts and find a path to financial freedom — whether that's through debt counseling, negotiating a debt settlement or applying for a debt consolidation loan.

Getting Started

Get debt help

Find credit repair companies

Explore credit counseling

Compare debt consolidation loans

Consider a debt settlement

The basics

Debt Management 101

How to get out of debt

5 steps to pay off debt and rebuild credit

What is a debt management plan?

Credit counseling agencies help with repayment

How to get out of credit card debt

5 steps to pay off your credit cards

What is debt forgiveness?

See if you qualify for total debt forgiveness

How to fix your credit

9 tips for a better credit score

How do you choose a credit counselor?

3 steps to finding credit guidance

Best of Debt Management

Find the right companies based on your needs

Best Debt Settlement Companies

18 companies8/18/2023

Best Credit Repair Companies

1/23/2023

Best Debt Management Plans of 2023

4/28/2023

Best Credit Counseling Services

16 companies9/15/2023

Our Latest Resources

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Best Debt Settlement Companies

Over 50K+ customer reviews to help you find the best debt settlement companies of 2019. Use our guide to compare repayment terms, fees and more.

Ashley Eneriz10/16/2023

What is a charge-off?

A charge-off is when a creditor gives up on collecting a debt and writes it off as a loss. But it has serious consequences for your credit score.

Holly Johnson10/13/2023

Pay for delete: Does it really improve your credit score?

Pay for delete is a way to get collection agencies and creditors to remove negative information from your credit reports. Here’s what to know.

Holly Johnson10/13/2023

Everything you need to know about cancellation of debt (COD)

It is possible to get a debt canceled, but there will likely be tax or credit implications. Here’s how it works, how to do it, and what to consider.

Holly Johnson10/12/2023

What is medical debt relief?

Debt settlement, negotiation and debt consolidation are a few options that can relieve medical debt. Learn how they work and where to get help.

Holly Johnson10/12/2023

How to avoid debt relief scams

Keeping an eye out for common red flags can prevent you from losing money to crooks. Learn how to spot a debt relief scam right away.

Christopher Murray10/12/2023

Invest or pay off debt? Why you should do both

Pay off any high-interest debts before investing. If your debt load is manageable and you have an emergency fund saved up, consider investing.

Chris Butsch10/10/2023

Debt consolidation vs. debt settlement

Debt consolidation folds multiple debts into one, whereas debt settlement reduces the total amounts owed. Find out which option is best for you.

Chris Butsch10/4/2023

How to deal with delinquent credit cards

If you’re delinquent on your credit card payments, the sooner you take action, the better. Here’s how to minimize the damage to your credit score.

Holly Johnson10/4/2023

The Truth in Lending Act (Regulation Z): How does it protect borrowers?

The Truth in Lending Act requires lenders to give borrowers certain information, like interest, fees and terms, so they can make informed decisions.

Christopher Murray10/2/2023

What is student loan debt settlement?

Student loan debt settlement helps you pay less in monthly payments or earn partial forgiveness. Learn how it works and if it’s right for you.

Christopher Murray9/29/2023

Debt relief programs: pros and cons

There are many debt relief methods, each with its own advantages and disadvantages. Learn which one is right for your financial situation.

Holly Johnson9/29/2023

What is debt settlement?

Debt settlement involves negotiating with creditors to pay less than you owe. The process may come with fees and a negative hit to your credit.

Christopher Murray9/29/2023

Debt snowball method: pros and cons

The debt snowball is paying off your debts in order of smallest to largest balance. It’s not the most efficient method but can be more motivating.

Chris Butsch9/29/2023

Debt snowball vs. debt avalanche

While the debt avalanche minimizes how much interest you’ll pay overall, the debt snowball might motivate you more with its quick wins.

Chris Butsch9/29/2023

What happens when you stop making credit card payments?

Unpaid credit card bills can result in serious financial, credit score and legal penalties. Learn what to do if you are struggling to make payments.

Holly Johnson9/27/2023

Using your 401(k) to pay off debt: What are your options?

Should you use funds from your 401(k) to pay down credit card debt, personal loans and other debts? Know the pros and cons before you decide.

Holly Johnson9/27/2023

Debt avalanche method: pros and cons

The debt avalanche involves paying off your debts in order from highest to lowest interest rate, saving you money on the total interest paid.

Chris Butsch9/27/2023

How do consumer protection laws keep you and your money safe?

Consumer protection laws keep predatory financial practices and dangerous products out of the market. Learn more about how they help you.

Holly Johnson9/26/2023

How much does a debt relief program cost?

Debt relief comes in the form of debt settlement, financial counseling and payment plans that make managing your debt easier, but it may carry fees.

Christopher Murray9/26/2023

Best Student Loan Refinancing and Consolidation

Find the best student loan refinancing and consolidation companies. Read hundreds of customer reviews. Compare student loan consolidation vs refinancing options.

Sara Coleman9/19/2023

What is credit counseling?

Credit counseling organizations can advise you on your money and debts, help you with a budget and offer money management workshops

Lee Huffman9/18/2023

Best Credit Counseling Services

Credit counseling services can help you manage overwhelming debt. We compared the best credit counseling agencies to help you get started.

Dr. Megan Hanna9/15/2023

Best Debt Consolidation Loan Companies

Over 50K+ customer reviews to help you find the best debt consolidation company. Use our guide to compare loan amounts, interest rates, loan terms and more.

Holly Johnson9/7/2023

Best Credit Repair Companies

Compare the best credit repair companies on costs, services and reviews. Top picks include Sky Blue, Credit Saint, The Credit Pros and Ovation.

Ashley Eneriz9/7/2023

Best Debt Management Plans of 2023

A debt management plan can help you negotiate with creditors to pay off debts faster, but make sure you pick a legitimate company.

Dr. Megan Hanna9/7/2023

Best debt relief companies

We reviewed and compared plans and fees for the best debt relief companies to help you choose the right debt relief company for your needs.

Dr. Megan Hanna9/7/2023

Best Debt Consolidation in Albuquerque, NM

Use our guide to find and compare the best debt relief companies in Albuquerque. Learn how to get lower interest rates and settle debt.

Debt Management

Getting Started

Debt Management 101

Find the right companies based on your needs

Our Latest Resources

Best Debt Settlement Companies

What is a charge-off?

Pay for delete: Does it really improve your credit score?

Everything you need to know about cancellation of debt (COD)

What is medical debt relief?

How to avoid debt relief scams

Invest or pay off debt? Why you should do both

Debt consolidation vs. debt settlement

How to deal with delinquent credit cards

The Truth in Lending Act (Regulation Z): How does it protect borrowers?

What is student loan debt settlement?

Debt relief programs: pros and cons

What is debt settlement?

Debt snowball method: pros and cons

Debt snowball vs. debt avalanche

What happens when you stop making credit card payments?

Using your 401(k) to pay off debt: What are your options?

Debt avalanche method: pros and cons

How do consumer protection laws keep you and your money safe?

How much does a debt relief program cost?

Best Student Loan Refinancing and Consolidation

What is credit counseling?

Best Credit Counseling Services

Best Debt Consolidation Loan Companies

Best Credit Repair Companies

Best Debt Management Plans of 2023

Best debt relief companies

Best Debt Consolidation in Albuquerque, NM

Best Debt Consolidation in Indianapolis, IN

Best Debt Consolidation in Dallas, TX

Best Debt Consolidation in Pittsburgh, PA

Best Debt Consolidation in Portland, OR

Best Debt Consolidation in San Antonio, TX

Best Debt Consolidation in Tulsa, OK

Best Debt Consolidation in Atlanta, GA

Best Debt Consolidation in Kansas City, MO

Best Debt Consolidation in Denver, CO

Best Debt Consolidation in Chicago, IL

Best Debt Consolidation in Cincinnati, OH

Best Debt Consolidation in Houston, TX

Best Debt Consolidation in Austin, TX

Best Debt Consolidation in Sacramento, CA

Best Debt Consolidation in Milwaukee, WI

Best Debt Consolidation in Las Vegas, NV

Best Debt Consolidation in Los Angeles, CA

Best Debt Consolidation in Orlando, FL

How to manage your money in 2023

What affects your credit score?

How to build credit

What is credit and how does it work?

Should I file for bankruptcy?

How to choose a certified credit counselor

9 ways to improve your credit score

Government assistance programs: What are your options?

What is debt collection and how does it work?

Is debt management a good idea?

Does debt consolidation hurt your credit?

Does medical debt affect your credit score?

How to negotiate credit card debt

Do I need a debt settlement lawyer?

What is a deferred payment and how does it affect your credit?

How do debt relief companies work?

78% of pet owners would consider going into “pet debt”

How to get out of debt

What is the Fair Debt Collection Practices Act (FDCPA)?

How to consolidate debt without hurting your credit

Debt settlement vs. bankruptcy

Pros and cons of being an authorized user on a credit card

How to get student loan forgiveness

National Debt Relief vs. Freedom Debt Relief

How to get a debt consolidation loan with bad credit

What you should know about credit repair companies

How to build credit as a teenager

What is bankruptcy? All you need to know before you file

Pros and cons of IRS payment plans