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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 of credit card 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.
Stop getting ripped off by credit card companies
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.
But … credit card companies couldn’t care LESS if you pay or not. They’ll make money off you either way. And with an average APR close to 25%, the credit card companies just keep getting richer and richer.
If that’s you, a company called AmOne wants to help. If you owe less than $100,000 in credit card debt, AmOne can match you with loan providers that could help you pay off your debt almost instantly.
Think about it this way: $25,000 in credit card debt at 25% APR will cost you $518.83 every single month in interest alone. But, with a rate as low as 6.40% APR (possible through AmOne), you’d only pay $94.69 interest.
That’s over $400 a month you’d get to keep for yourself! Even better, you don’t need a perfect credit score, and checking for loans won’t affect your credit.
Truthfully, this company exists to help you get ahead in life. They have an Excellent rating on Trustpilot from over 2,000 verified reviews, and you can see your options in a matter of minutes. It’s certainly worth a shot if you’re feeling suffocated by debt.
Pay no interest until January 2026
Imagine getting 21 months from account opening with 0% interest on a balance transfer or a big purchase. Sounds great — right? You could dramatically change your financial picture with this industry-leading card — the Wells Fargo Reflect® Card(Rates and fees).
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 21 months from account opening on qualifying balance transfers. 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 just stop with balance transfers though. Cardholders also get a generous intro APR of 0% for 21 months from account opening on purchases. After the intro period for purchases and balance transfers, the APR is 18.24%, 24.74%, or 29.99% Variable.
The best part? There's no annual fee.
You’ll need good or excellent credit (typically 670 or higher) to qualify.
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.
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.
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- No upfront fees1
- One-on-one evaluation with a debt counseling expert
- For people with $7,500 in unsecured debts and up