Tools & Resources
Guides, trusted organizations, and answers to your most common debt questions — all in one place.
In-Depth Learning
Expand your financial knowledge with these essential guides.
Understanding Your Credit Score
Learn how your credit score is calculated, what affects it, and how to improve it while paying off debt.
Creating a Debt-Free Budget
Step-by-step guide to building a budget that prioritizes debt payoff without sacrificing necessities.
Protecting Yourself from Debt Scams
How to identify and avoid debt relief scams, predatory lenders, and misleading financial products.
Good Debt vs. Bad Debt
Not all debt is equal. Understand which types of debt can build wealth and which types to avoid.
Free External Resources
These government agencies and nonprofit organizations offer free tools and assistance.
Consumer Financial Protection Bureau (CFPB)
Government agency offering free tools, resources, and complaint resolution for consumer financial issues.
National Foundation for Credit Counseling (NFCC)
Nonprofit network of certified credit counselors offering free or low-cost financial counseling.
Federal Student Aid (FSA)
Official U.S. Department of Education resource for managing federal student loans and repayment plans.
AnnualCreditReport.com
The only federally authorized source for free annual credit reports from all three major bureaus.
IRS Fresh Start Program
IRS program offering installment agreements and reduced penalties for taxpayers struggling with tax debt.
Benefits.gov
Find government assistance programs you may qualify for to help free up money for debt payments.
Frequently Asked Questions
Answers to the most common questions about managing and eliminating debt.
Own a Home? Understand Your Equity Options
Homeowners with equity may be able to reduce high-interest debt through a cash-out refinance or home equity loan. Read our educational guide on using home equity for debt consolidation to weigh the benefits and risks for your situation.
Read the Home Equity Guide →