See your whole debt picture, then pick the next step.

Your total debt, what it costs each month, your debt-free date and which options realistically fit. Options are ordered by fit, then by how little each one asks you to give up, and a nonprofit option is always included.

From the balances, rates and minimums you enter. It pays your minimums plus the extra amount you choose each month, highest rate first, and counts the months until every balance is paid.

The Debt Check says so. When the interest outpaces your payments it shows that you won't be debt-free on this budget, and the options it lists include ways to lower your rates or payments.

Paying it off yourself with a plan, a consolidation loan, nonprofit credit counseling, debt settlement and talking to a bankruptcy attorney, plus tax debt options and your rights with collectors when they apply. Each option shows when it's a good fit and what to watch out for.

No sign-up. Nothing is sent anywhere: your numbers are saved only in this browser, and every tool on the site reuses them.

No. Results are estimates based on the numbers you enter and the assumptions shown. They are not financial, tax or legal advice, so talk to a qualified professional about your situation.