9 Clever Ways To Pay Off Your Credit Card Debt

Born before 1989? Credit card holders could get $30K+ settled for less than they owe

If you owe $30,000+ in debt and were born before 1989, nobody can really stop you from doing this. And right now, it might be the #1 rule we think of to potentially resolve outstanding debt.

So … what is this rule?

If you owe $30,000+, it’s time to check if you qualify for this debt relief program. It’s called Americor, and it’s 100% free to check eligibility. And with credit card rates skyrocketing, Americans are taking advantage of it.

With the savings you could get, you could take a vacation, fund a business, pay for home renovations — almost anything. Too many people think debt relief programs are too good to be true, but Americor is one of the most effective and well-loved programs we’ve found. Over 30% of their clients receive their first settlement within one month!

They have an A+ with the Better Business Bureau, 4.8/5 on Google, and 4.7/5 on Trustpilot, and have had 500,000+ enrolled clients. In fact, for those who stay with the program and make all monthly program payments, their average client saves 45% on their total enrolled debt before fees.¹ <p>Americor clients who make all monthly program payments save approximately 40 – 50% of their enrolled debt (average of 45%) upon successful program completion, before program fees. Fees are based on a percentage of your enrolled debt at the time of starting the program and range from 14%-29% of your enrolled debt.</p> That’s like cutting your debt almost in half!

Answer a few questions at the link below to check your eligibility for free. If you’re eligible, claim your spot for this debt relief program immediately.

Pay no interest on balance transfers until 2028

Imagine getting 18 months with 0% intro APR on a balance transfer (APR then 17.49% - 27.49% (Variable)). Sounds great — right? You could dramatically change your financial picture with this industry-leading card - the Citi Double Cash^® Card.

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR on balance transfers for 18 months. After the intro period for balance transfers, the APR is 17.49% - 27.49% (Variable). Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

It doesn't stop with balance transfers though. Cardholders can also earn double cash back — 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. Even better, you can redeem your cash back as direct deposit, a statement credit, or even a mailed check! You can turn your everyday purchases into cash back and make a dent in your debt, regular bills, or save for the future.

The best part? There's no annual fee with the Citi Double Cash^® Card (Rates and fees).

Click here to apply now for the Citi Double Cash^® Card

Get out of $25,000+ in high interest credit card debt

If you have $25,000+ in credit card debt, paying the bill each month is anxiety-inducing, and sometimes close to impossible.

The problem is the interest you pay: $25,000 in credit card debt at 25% APR might cost you $520.83 every single month in interest alone. But if that rate was just 6.74% APR (possible through this lender network we found), you’d only pay $140.42 in interest.

That’s over $350 a month you’d get to keep for yourself in this scenario! This company can match you with options just like this that could help you pay off high interest debt quickly. You don’t even need a perfect credit score and checking options won’t affect your credit.

They have a 4.5/5 rating on TrustPilot with 15,000+ reviews, and you can see your options in minutes. If you’re feeling suffocated by debt, click below and find a match today.

See if your $25,000+ credit card debt is eligible for options with LendingTree

Pay no interest into 2027 with this no annual fee card

If you're struggling to pay down high interest debt (or you're planning a major purchase this year), this might be the exact thing you need. There's a card that allows you to pause credit card interest into 2027 ... and the best part is that it could be easier than you think.  

Discover it^® Cash Back (Rates and fees) is an extremely powerful card that gives you 0% intro APR for an astounding 15 months on purchases and balance transfers. (Then APR is 17.49% - 26.49% (Variable); Balance transfer fee applies.) That's right — you can now finance large purchases you've been sitting on without paying massive interest. Or, transfer crippling high interest debt to this card and let your payments go directly to paying down your balance, without piling on additional interest charges — all with no annual fee.

But it doesn't end there. The Discover it^® Cash Back card also lets you earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, Discover will match all the cash back you’ve earned at the end of your first year. 

Apply now for the Discover it^® Cash Back card

Stop getting ripped off by high-interest debt payments

If you have credit card debt, you know that paying your bill each month is anxiety-inducing … and sometimes close to impossible with what you have in the bank.

If that's you, a company called Freedom Debt Relief wants to help. They could help negotiate with your creditors to settle your unsecured debt for less than you owe.

Think about it this way: $30,000 in credit card debt at 25% APR will cost you $622.60 every single month in interest alone. But Freedom Debt Relief’s representatives may be able to help you resolve that debt for less than you owe.

That’s more money you'd get to keep for yourself while you continue to resolve your debt. Even better, you don’t need a perfect credit score, and there are no settlement fees until your unsecured debt is settled.

Truthfully, this company exists to help you get ahead in life. They have a 4.6/5 rating on Trustpilot with more than 48,000 verified reviews, and they've already served over 1 million clients and settled more than $20 billion in debt.² <p>Statistics reflect the results of the members we and our affiliates have served since 2002 (as of January 2026).</p> It's certainly worth a shot if you're feeling suffocated by debt.

See if your $30K+ credit card debt qualifies for options with Freedom Debt Relief

Borrow cash from your home (without touching your mortgage)

If you need cash, you do not need a cash-out refinance or home equity loan — get a HELOC instead. The Fed just cut interest rates, and a HELOC could help you take advantage of it without touching your mortgage.

Use LendingTree’s simple HELOC matching tool³ <p>LendingTree, LLC is a Marketing Lead Generator and is a Duly Licensed Mortgage Broker, as required by law, with its main office located at 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203, NMLS Unique Identifier #1136. LendingTree, LLC is known as LT Technologies in lieu of true name LendingTree, LLC in NY. LendingTree technology and processes are patented under U.S. Patent Nos. 6,385,594 and 6,611,816 and licensed under U.S. Patent Nos. 5,995,947 and 5,758,328. © 2026 LendingTree, LLC. All Rights Reserved. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only. Terms and Conditions may apply. </p> to compare rates and see what works for you.

How a home equity line of credit is different: Your line of credit acts similar to a credit card during what’s called the “draw period,” which is usually 10 years. You can withdraw funds when you need them, and you’re only responsible for monthly payments toward the outstanding balance. After the draw period ends, you pay off the outstanding balance during the remaining term or “repayment period,” which can be up to 20 years.

The best part? HELOCs usually have variable interest rates, meaning you could access cash now at newly lowered rates and have the opportunity to access more down the road at potentially even lower rates.

To get started:

1. Check out LendingTree’s HELOC matching tool.
2. Answer a few questions.
3. Be matched with personalized offers for you.

See how much cash you could get

Get up to $600,000 from your home (no monthly payments ever)

This is really cool. If you own a home and want to take equity out (to pay down debt or fund home renovations, for example) you can — but usually, you have to make payments each month. This company gets rid of that.

It sounds crazy, but it’s called Point, and it lets you take money out of your home right now without making monthly payments.⁴ <p>Point partners with and invests alongside the homeowner in the property. Subject to underwriting approval, Point will pay you an upfront, lump sum amount in exchange for a portion of your home’s future appreciation. Future appreciation is based on using the risk adjusted Appreciation Starting Value and calculating any gain or loss based on the final appraised value of your home at the time of exit. Point charges up to a 3.9% processing fee (subject to a $2,000 minimum) and other third party paid closing costs such as appraisal, escrow, and government fees. The term is 30 years. Point will place a lien on your home to secure performance of the underlying agreement. There are no monthly payments or interest accrual. Homeowner’s repayment amount is based on the future value of the subject property at the time of exit, as outlined in the underlying agreement.</p> It's called a home equity investment (HEI), and it’s a partnership with you and Point where you get money now in return for a portion of your home’s future appreciation in value.

Point can give you access to up to $600,000, but you can take what you need based on what you qualify for. You can also leave the partnership at any time by buying back your equity. To get started, go to their website, enter your address, and put in the amount you need. It’s incredible.

Enter your address here to get started

Ask this company to help you pay off your late tax debt

Past-due tax debt is overwhelming.

It weighs on your mind and causes massive anxiety. You end up emotionally and physically drained. Even worse when the IRS starts sending letters threatening wage garnishment and huge fines.

Alleviate Tax is designed specifically to help you get out of tax debt faster and could reduce some of the debt you owe.

While most tax companies just put you on a payment plan and file your taxes for you, Alleviate Tax talks to the IRS directly. They can help you pay off your tax debt faster while potentially reducing what you owe.

Important: Not everyone will qualify. To take advantage of this special program you must owe more than $10,000 in past-due taxes.

Answer a few questions to get started