Debt Relief Options
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Financial education and referrals—so you can choose with confidence.
Multiple Financial Solutions
Debt Resolution
Third-party firms may work with certain creditors to resolve unsecured accounts for less than the full balance. This option could reduce overall payoff and may fit households facing financial hardship.
Private Student Loan Relief
For private student loans, lenders and independent providers may offer refinance, hardship programs, or case-by-case solutions. Availability can vary based on your profile and lender policies.
Consolidation Loans
A personal loan or refinance may combine multiple debts into one payment and could simplify budgeting. Terms and approval can differ by lender.
Tax Relief
Licensed tax professionals may help review your situation and could assist with options such as payment plans or other tax resolution pathways when eligible.
Federal Student Loan Relief
Federal programs—like income-driven repayment, consolidation, and forgiveness—may be available for eligible borrowers. You can review and apply through the official process.
Business Debt Relief
Businesses may consider restructuring, cash-flow strategies, or credit solutions to better manage obligations. Approaches can be tailored to industry and revenue needs.
Mortgage Relief
Your servicer may offer loss-mitigation options such as repayment plans, deferral, or modification, depending on eligibility and investor guidelines.
Debt Management
Nonprofit credit counseling agencies may create a structured plan that could lower certain rates and combine multiple card payments into one monthly payment.
Credit Repair Services
You may address credit report issues by disputing inaccurate items and monitoring your credit over time. Some consumers choose DIY steps; others may use paid assistance.
Bankruptcy
A consultation with a licensed attorney may help you understand whether Chapter 7 or Chapter 13 could be appropriate based on your goals and eligibility.
Payday Loans
If short-term costs keep piling up, there may be alternatives that could provide a more sustainable path than repeated payday advances.
*Money Student provides educational information and referral introductions upon request to independent, third-party providers. We are not a lender, law firm, tax firm, or the government, and we do not provide legal or tax advice. Program availability, costs, and outcomes vary by provider, creditor, lender, and state. Full details, timelines, eligibility, and potential impacts are explained on each “Learn More” page and by any provider you choose to engage.