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DebtCheckUSAStart your Debt Check Debt Check

Free debt tools · No sign-up

See your whole debt picture. Then pick the next step.

What your debt really costs, when you could be done, and which options actually fit, including the ones nobody sells you.

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No sign-up. Your numbers stay in your browser.

A top-down view of a clean light-oak desk with a sheet of paper, a pencil, a calculator and a small plant.

Example result

3 debts · $10,550

Debt-free at this budget

June 2029

2 yr 9 mo from now

Start here

Nonprofit credit counseling

1
List your debts
Balances, rates and minimums from your statements.
2
See the real options
What each path costs and who it fits, downsides included.
3
Choose the next step
Do it yourself, call a nonprofit, or pick who may contact you.

Every option, honestly

Gentlest first. With the catch spelled out.

Ordered by how little each option asks you to give up. The Debt Check shows which of these fit your numbers.

1
Pay it off yourself with a plan
Build my payoff plan
Good when
Your balances go down at the budget you have.
Watch out
It needs a steady monthly budget, and nobody negotiates for you.
2
Consolidation loan
Check if a loan saves money
Good when
A new loan's rate and fees beat what you pay now.
Watch out
A longer term can cost more overall, and cleared cards are easy to run up again.
3
Nonprofit credit counseling
Find a nonprofit counselor
Good when
Card rates are high and one lower payment would get you there.
Watch out
You may have to stop using or applying for credit, and a plan can take 48 months or more. Ask about fees first.
4
Debt settlement
Estimate settlement costs
Good when
You have large unsecured debt and are already falling behind.
Watch out
It damages your credit, charges fees, forgiven debt can be taxed, and creditors can still sue.
5
Talk to a bankruptcy attorney
Learn how bankruptcy works
Good when
The debt can't realistically be repaid.
Watch out
It stays on your credit report for years and doesn't erase every kind of debt.

Tools

Run the numbers yourself

A brass compass on an open notebook.

Debt Check

List your debts once. See what they really cost and which options fit. Every other tool reuses what you enter.

Start your Debt CheckAbout 2 minutes

Payoff planner

Avalanche or snowball: your debt-free date and what each order costs.

Minimum-payment trap

What paying only the minimum costs, next to a three-year plan.

Settlement estimator

What a settlement program might cost after fees and taxes.

Does a loan save me?

A consolidation loan against your current plan, fees included.

State debt rulesComing soon

Time limits to sue, wage garnishment limits and settlement rules by state.

Topics

Start from your kind of debt

Coming nextTax debt (IRS + state)Collections & lawsuits Bankruptcy Medical debt Student loans

Start with the whole picture.

List your debts once. Every tool reuses them, and nothing you enter leaves your browser.

Start your Debt Check