9 Clever Ways To Pay Off Your Credit Card Debt

Ask this company to help resolve your credit card debt

If you’re making minimum payments but feel like your debt isn’t going anywhere, you’re not alone. Between credit cards, medical bills, collections, and personal loans, it can be difficult to know where to start — or how long it could take to finally get ahead.

Freedom Debt Relief could help. If you have +$20,000 in credit card debt, their certified debt specialists may be able to negotiate with your creditors to settle your debts for less than you owe.

Based on a plan that fits your budget, you could have one affordable monthly deposit, that could be lower than your current minimum payments.

Best of all? There are no upfront settlement fees (they only get paid once they deliver results) and they may be able to help you resolve your debt in as little as 24-48 months. Plus, they even offer a program guarantee.¹ <p>Freedom Debt Relief (FDR) enrolls only unsecured debts, such as unsecured loans and credit cards. Any claims including 'debt-free' statements are only referring to enrolled debt. FDR is not a loan and does not provide relief for federally backed student loans or secured debt, such as auto loans or mortgages. All estimates for FDR's services are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms, including your ability to maintain your program deposits. FDR's services are estimated to resolve your debt faster and for a lower amount than your current monthly minimum payments. Not all FDR clients are able to complete their program for various reasons, including their ability to save sufficient funds. FDR does not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. FDR is not a lender, creditor, or debt collector and is not a credit repair organization and does not provide or offer services or advice to repair, modify, or improve your credit. FDR does not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice. FDR's services are not available in all states and some programs may be offered through a law firm for legal services. FDR's fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. The use of FDR services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements FDR obtains on your behalf resolve the entire account, including all accrued fees and interest. It is expected that you read and understand all program materials prior to enrollment.</p> <p>This guarantee takes effect when you graduate the program—or even if you leave before graduating. When you exit the program, we’ll use the combined total of all the debts you enrolled and settled and the fees you paid to us to calculate your eligibility for a refund. C.P.D. Reg. No. T.S.12-03825.</p>

To get started, just answer a few simple questions – it only takes a few minutes to see if you qualify!

Try Freedom Debt Relief

Pay no interest on balance transfers until 2028

Imagine getting 18 months with 0% intro APR on a balance transfer (APR then 18.49% - 28.74% (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 18.49% - 28.74% (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

Pay no interest into 2028 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 2028 ... 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 17.74% - 26.74% (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

Tap the equity in your home without adding another monthly payment (home must be worth at least $200,000)

If you own the home you live in but don't want to touch your mortgage rate or go for a traditional HELOC, a Home Equity Investment Product, or HEI, could be perfect.

How it works: A HEI bets that your home's value will go up. They give you cash now, and when you sell, refinance, or pay back in cash, you give them a small portion based on how much your home is worth then.

(By the way, if your home value decreases, the value of the percentage home equity investor is entitled to also decreases. That could be a lot safer for you.)

They work with single family homes, condos, townhomes, and 2- to 4-unit properties. No mobile or manufactured homes. Use the money however you like. Pay off debt, renovate, invest … all without worrying about additional monthly payments OR touching your current mortgage.

Why choose a HEI?

• Cash Payment Now: You can qualify to get between $15,000 to $500,000 in one lump-sum cash payment.
• Have a home worth at least $200,000.
• No income requirements.
• Don’t want to affect your current mortgage.
• Don’t want monthly payments.

Answer a few questions here to see if you pre-qualify in less than 2 minutes (see how much you can get)

Turn your home’s value into extra cash

If you want to pay a large expense now, like a home improvement project or credit card debt, you may have considered using your home equity as leverage to borrow a large sum of money.

But with interest rates rising in recent years, a cash-out refinance or home equity loan may not make financial sense.

Here’s a potential solution: Get a home equity line of credit (HELOC) instead.

Using LendingTree’s simple HELOC matching tool² <p>Terms and conditions apply. Rates subject to change. LendingTree, LLC. NMLS# 1136.</p> (yes, the company from the commercials), you can 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, where you can withdraw funds when you need them, and you’re only responsible for minimum monthly payments for what’s called the “draw period,” which is usually 10 years. After this borrowing period ends, you pay off the rest of your balance during an extended repayment period, which is usually 20 years.

Plus, as a revolving line of credit, rates are usually variable, so you won’t be locked into a fixed rate if they ever go lower.

If you have a 700+ credit score and/or you are looking to borrow a loan of 80K+:

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

Visit LendingTree

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