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Debt is a universal struggle. High interest credit cards, hospital bills, or student loans, car payments — everyone knows the challenge. If you feel like you're drowning in it, you're not alone. A recent study shows that over 80% of Americans are in debt.
So how do you get out of it?
Crushing your debt is easier than you might think, as long as you have the right plan. It'll take some work and dedication, but we're here to help. Below you'll find 5 clever ways you wouldn't normally consider to help you crush your debt.
Imagine how great it will feel when you no longer have it looming overhead!
Get out of $20,000 or more in credit card debt
If you have a lot of debt, getting out of it can feel stressful (and nearly impossible). Here’s the problem: the longer you put off tackling it, the harder it gets to fix. If you don’t take control of it early on, it can add undue stress to your life for years. But what if there was a way to get out of debt once and for all?
TurboDebt1 <p>IMPORTANT ADVERTISER DISCLAIMERS: Programs range from 24-48 months. Clients who are able to stay with the program and get all their debt settled realize approximate savings of 46% before fees, or 25% including program fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete the program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. Programs do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. Programs do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Programs are not available in all states, and fees may vary by state. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Depending on your state, programs may be available to recommend a local tax professional and/or bankruptcy attorney. You may be subject to collections or lawsuits by creditors or collectors. Your outstanding debt may increase from the accrual of fees and interest. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating.</p> <p>Certain types of debts are not eligible for enrollment. Some creditors are not eligible for enrollment because they do not negotiate with debt relief companies. </p> <p>The company and its affiliates are not lenders, creditors, or debt collectors. This is not a loan. Our representatives have helped thousands of consumers throughout their careers.</p><p class="">Turbo debt is a debt relief program and does not provide any direct ways to earn cash or make money online.</p> can help. If you have more than $20,000 in debt from credit cards, medical bills, collections, or personal loans, their representatives might be able to assist you in consolidating your debt into one low monthly payment.
Best of all? There are zero fees until your debt is resolved, and you could be debt-free in as little as 24-48 months. To get started, just answer a few simple questions. It only takes 30 seconds to see if you qualify!
Pay no interest into 2027
Imagine getting an introductory 15 months with 0% intro APR on a big purchase or balance transfer (APR then 17.49% - 26.49% Variable). Sounds great — right? You could dramatically change your financial picture with one of the industry-leading low-interest cards — the Discover it® Cash Back(Rates and fees).
Cardholders get a generous intro APR of 0% for 15 months on purchases (APR then 17.49% - 26.49% Variable) — that means you can cover bills, large purchases, or whatever you need to charge and not pay interest into 2027!
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 for 15 months on balance transfers (APR then 17.49% - 26.49% 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!
The best part? The Discover it® Cash Back card is accepted by 99% of merchants (according to the February 2025 issue of the Nilson Report), boasts an exceptional cash back rewards rate, and there's no annual fee.
Ohio Driver? Cancel your car insurance
Driving without car insurance is illegal, but if you do this, you’re not actually breaking the law.
This tool can help you see if you’re overpaying for car insurance in just a few clicks. You’d be shocked by the difference. $159 per month is what they wanted to charge me. I thought that was the best price, don’t even look anywhere else. Right? Wrong.
I used this tool and now I’m able to pay just $47 a month for two cars.2 <p>Actual savings and coverage options vary based on factors such as driving history, location, and insurer policies. The rates shown in this example may not reflect what every user will qualify for.</p> Too many insurance companies do this. They push up our rates and make us pay even more. But if you want to try this tool and compare and potentially score same-day savings, here’s what to do:
- Click the link below and enter your zip code, date of birth, and phone number.
- Answer a few questions about your car’s make and model to get matched with top offers.
- Choose the best quote for you and lock it in before rates go up.
Compare rates now and see if you could score same-day savings today!
I can hardly believe I waited so long to do this, but I’m glad I finally did. It only took me two minutes. Super fast. You have to trust me on this. Just try it out.
Tap into your home equity without monthly payments
If you own your home, you know it's a valuable asset. But … tapping into your home's value without selling it can be a challenge. If you need money ASAP to get out of debt — and you want to use the value in your home to do so — there's a new option to consider.
Hometap invests in your home by providing cash in exchange for a share of its future value. If qualified, you’ll receive funds upfront in return for sharing a portion of your home’s proceeds when you sell.3 <p>The timeline to funding may vary, and begins from the time the homeowner submits a completed Application and all supplemental documents are received and verified. The three-week timeframe excludes weekends and assumes the homeowner doesn’t have any undisclosed liens, uses an automated valuation model (AVM)-based virtual appraisal instead of a physical appraisal, and is current on their mortgage and property tax obligations for the previous 90 days.</p>
To be eligible, you need to own at least 25% equity in your home. You can request a free estimate of your home from Hometap to get started.