We are not a lender, creditor, or debt collector. Referral partnerships with affiliates or third-party providers may allow you to apply for a loan. Annual Percentage Rates (APRs) range from 7.99% to 35.99%, with repayment terms from 12 to 84 months. Loan eligibility through our affiliates or partners depends in part on the amount you request through our debt help programs. Your actual APR and term will vary based on factors such as loan amount, credit history, income, existing debt obligations, and overall creditworthiness. Approval for debt relief through a consolidation loan is not guaranteed, and debt help loan options may not be available in all states.

As an example, a typical personal loan might have a $15,000 principal amount, a 5% origination fee, a 53-month term, and a 17.00% interest rate. In this case, you would receive $14,250 (after subtracting the $750 origination fee), with monthly payments of approximately $404.83 and an APR of 19.63%. The total interest paid with a debt help consolidation loan would be $6,055.99, resulting in a total loan cost of $6,805.99 (including the origination fee), and total payments of $21,055.99.

Consumers are encouraged to consult a qualified financial advisor before obtaining a debt relief consolidation loan.

This website is a free educational and motivational resource designed to help individuals explore consolidation options for their high interest credit card debt. Debt help information on this site is not provided by any state agency but is made available as a convenience to residents, including links to state and federal hardship assistance programs for informational purposes only.