Based on $ in debt1
$/mo
estimated savings
$
in estimated additional debt cost if you wait 3 more months
TrustScore 4.8 / 5
Why consolidate debt
Combine bills into 1 easy payment2
Simplify multiple debts and payment dates with 1 fixed monthly payment.
Pay down debt faster
Get rid of debt sooner than paying minimums on high-interest debts.
Customize payment plans
Plan your terms, receive potential discounts, monthly savings, and more.
DEBT PAYOFF CALCULATOR
Save an estimated $ on your monthly payment1
3 solutions to help consolidate your debt
Member Voices
Consolidating debt
“My initial goal was to consolidate some high-interest credit cards and loans into one payment and to save interest, which I did. I mean, it was incredible!”
— Jeremy R., Achieve member, home equity loan
“Our loan enabled us to consolidate debt into a lower interest, single payment to help bring our debt under control…It made me feel like I wasn’t alone and that other people were dealing with similar things.”
— Leah M., Achieve member, personal loan
"Graduating from the program was a very up moment in life. My debt was gone.”
— Kevin C., Achieve member, debt resolution
*Actual members. Members’ endorsement is a paid testimonial. Individual results are not typical and will vary.
Consolidate debt your way
Pay down your debts faster
Get rid of debt faster than making minimum payments.
Customized payment plan
Get in control of monthly payments, payment date, terms, and more.
Fixed monthly payments
Your payments will stay the same so there are no surprises.
Make debt paydown easy
Get support and guidance throughout the debt resolution process.
Good credit not required
Qualify for loan options with fair credit. You don’t need good credit to be eligible for resolution.
Personalized help
Get answers and help from expert consultants who care about your financial future.
Debt Consolidation articles
DEBT CONSOLIDATION BASICS
Pros
May reduce payments with lower loan rates or debt resolution
Simplify debts into 1 monthly payment
Pay down debt faster than minimum payments
Pay debt easily with fixed payments
Cons
May not qualify for lower rates
Missing payments may impact credit
Credit scores below 620 may not qualify for loans
Costs & fees with consolidation loans and resolution