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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 debt
Credit card debt is suffocating. It constantly weighs on your mind and controls every choice you make. You can end up emotionally and even physically drained from it. And even though you make regular payments, it feels like you can never make any progress because of the interest.
Accredited Debt Relief is designed specifically to help you get out of credit card debt faster (and for less), without having to make drastic life changes. With Accredited Debt Relief, you could reduce your monthly credit card payments by up to 40% or more and be debt free in 24-48 months.
How to get Accredited Debt Relief to lower your debt: Sign up for a free quote here. (Do not skip this step!) By getting a free, no-obligation quote and speaking with a consolidation specialist, they can immediately assist you in paying off your debt and calculating reduced monthly payments. They’ll let you know right away how much you might be able to save … but only if you request a quote.
Pay no interest until 2025
Imagine getting an introductory 15 months with 0% interest on a big purchase or balance transfer (APR then 17.24% - 28.24% Variable). Sounds great — right? You could dramatically change your financial picture with one of the industry-leading no-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 17.24% - 28.24% Variable) — that means you can cover bills, large purchases, or whatever you need to charge and not pay interest until 2025!
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 17.24% - 28.24% 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, boasts an exceptional cash back rewards rate, and there's no annual fee.
Borrow up to $50k to finally crush your debt
Looking for some cash to pay off credit card debt? A personal loan could help.
Our partner AmONE will match you with loan providers to fit your specific needs. Just fill out one quick application and they’ll show you multiple loan offers. There's no application fee and no minimum credit score needed to apply.
Why not check if you qualify? As long as you’re approved, you could receive your loan as early as the next business day.
Cancel your car insurance
We've got bad news. You could be wasting $500 every year on overpriced, second-rate car insurance. And you should probably cancel your existing insurance right now, because there's something much better.
This new tool from FinanceBuzz can tell you if you're overpaying for your car insurance in just a few clicks. We match drivers with companies that report saving drivers up to $500 or more per year when they save! Each driver’s savings will vary by driving history and how many discounts you’re eligible for. And once you try it out, you'll never have to look for affordable insurance again because we find you the lowest rates that other companies can't match.
Oh, and it's also free. And come on — you can't tell us you don't want to save up to $500. To find out if you're losing up to $500 or more a year, just enter your zip code here, answer a few questions and see if you're overpaying. It takes less than 2 minutes.
Earn cash back on everyday purchases with this rare account
Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!1
With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!
This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.
Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.
Tap into your home's value without taking out a loan
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 is an alternative to traditional home equity loans. Instead of loaning you money that you need to pay back in monthly payments, they make an investment in your home. If qualified, they'll give you the cash now in return for participating in the proceeds when you sell your home.2
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.