Use These 8 Shortcuts To Help Pay Down $10,000 or More in Debt

Try one of these smart payoff strategies

1. Snowball Method: Pay off debts starting with the smallest balance first and working your way up. A small win early on can be just the motivation you need to keep going.
2. Avalanche Method: Pay off debt starting with the highest interest rate first and working your way down. You could save money in the long run by accruing fewer interest charges.
3. Biweekly Payment: Make half of your monthly payment every two weeks. This will result in an extra payment each year, helping you pay down your balance faster.
4. Round-Up Payments: Round up your payment to the nearest $10, $50, or $100, depending on your budget. This will help you pay off your principal balance faster and save on interest charges.

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!

Try TurboDebt

Pay no interest on balance transfers well into 2027 with this no annual fee card

If you're struggling to pay down high interest debt, this might be the exact thing you need. There's a card that allows you to completely pause the interest on balance transfers well into 2027 ... and the best part is that it could be easier than you think.

The Chase Slate^®(Rates and fees) is an extremely powerful card that gives you 0% intro APR for an astounding 21 Months on balance transfers (then 18.24% - 28.24% Variable). That's right — you can now 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, because this card comes with an additional perk: If you have a large purchase coming up, finance it easily with 0% intro APR for 21 Months on purchases. After the intro period, the APR for balance transfers and purchases is 18.24% - 28.24% Variable. Don't delay — apply for the Chase Slate^®, finance the large purchases you've been waiting on, and pay down crippling high interest debt!

Apply now for the Chase Slate^®

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 Insurify and now I’m able to pay just $51 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:

1. Click the link below and enter your zip code, date of birth, and phone number.
2. Answer a few questions about your car’s make and model to get matched with top offers.
3. 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.

Use your home's equity to pay off credit card debt

Rocket Mortgage³ <p>Rocket Mortgage, LLC; NMLS #3030; <a href="https://www.nmlsconsumeraccess.org/">https://www.nmlsconsumeraccess.org/</a>. Equal Housing Lender. Licensed in 50 states.</p> could help you consolidate your debt. You could pull money out of your home without a second mortgage or HELOC … meaning you could tackle your debt head-on while eliminating multiple monthly payments.

For example, let's say you're able to take out $50,000 with a cash-out refinance. You use $20,000 to pay off high-interest debt and $30,000 for home renovations, lowering your total monthly payments and increasing your home's value. That's a win-win.

See how much could be available to you: Visit Rocket Mortgage and click “Take cash out.” Then use the simple calculator to estimate how much cash you could get out of your home.

See How Much Cash You Could Get: Calculate Your Home Equity for $0

Understanding different types of debt products

1. Balance Transfer: A balance transfer credit card offers an introductory 0% APR on existing high-interest balances you transfer over. This allows you to pay down your balance during the intro period without accruing more interest. You typically need at least good credit to be approved, and must be disciplined to avoid accumulating a high balance on your new card.
2. Debt Consolidation: This is typically achieved with a personal loan or home equity product. You could pay off all your existing debts with the new loan, meaning you’ll only need to manage one monthly payment, potentially with a lower interest rate.
3. Debt Settlement: If you qualify, debt relief companies will negotiate with creditors on your behalf to potentially reduce the total amount you owe. You typically will need to make monthly payments to the debt relief company to be used to pay down your remaining debt.

Get financial guidance without the cost with this 100% free plan

Financial plans don’t need to cost hundreds or require meeting with an advisor. Studies show that simply having a plan significantly improves confidence and outcomes.⁴ <p>Source: Charles Schwab Modern Wealth Survey 2024</p>

Our tool creates a 100% free personalized financial plan — no advisor fees, no sales pitches, no pressure. Just clear guidance based on your financial situation.

Here’s how to get started:

1. Click the link below.
2. Answer a few quick questions: your goals, income, and spending habits.
3. Securely link your accounts through Plaid (checking, savings, cards, etc.).
4. Receive your personalized money plan instantly, including recommended spending ranges, savings targets, and simple steps to feel more in control.

The tool analyzes your real spending patterns and gives you a clear breakdown of where your money should go each month, without guilt or guesswork. It’s 100% free, and you’ll finally know exactly what to do next with your money.

Click here to get your free financial plan and see the advice that an advisor might charge you hundreds for.

Don’t pay a CENT to contractors for home repairs until you do this

Sounds crazy. And maybe you’re not even sure if this is real. But … you’re probably curious anyway. Choice Home Warranty makes it so you might be able to save $100s in home repairs!

They’ve been around since 2008 (so you know they’re legit) and they offer affordable plans to cover appliances and systems in your home that could break down from routine wear and tear.

Think of it like this: Say your furnace breaks down during a cold snap. Instead of paying up to $3,000 for repairs, you may only need to pay a $100 service fee with Choice Home Warranty, and the tech comes over and fixes it right away. This could save you up to $2,900 almost instantly!

Choose a plan here and you can still lock in their ultra-low 2026 rates (for a limited time). Then, whenever a covered system in your home breaks down, all you have to do is make your claim online or give them a call. Their team is available 24 hours a day, 7 days a week.⁵ <p>CHW reserves the right to offer cash back in lieu of repair or replacement in the amount of CHW's actual cost (which at times may be less than retail) to repair or replace any covered system, component or appliance. In the event that CHW makes such payment, CHW will provide written notification of the basis for the amount of the payment. First Month Free with purchase of any single payment home warranty plan. The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer.</p>

Choose a plan from Choice Home Warranty here and lock in 2026 rates

P.S. Use the links above and you’ll get $50 off and 1 month free. We don’t know how long this will last, so take advantage of it today before it disappears.

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.

If that’s you, a company called LendingTree⁶ <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. © 2024 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> wants to help.They can match you with loan providers that could help you pay off your debt quickly.

Think about it this way: For example, $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 6.50% APR (possible through LendingTree’s lenders), you’d only pay $144.03 interest.

That’s over $350 a month you’d get to keep for yourself in this scenario! 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 a 4.5/5 rating on TrustPilot with more than 15,000 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.

Get creative with ways to earn or save extra money

1. Negotiate Your Bills: You can always try to negotiate with creditors and businesses for a lower price, better rate, or other deals. Ask about available discounts or payment plans, or bring up competitors. A little time and research could go a long way.
2. Find Unique Side Hustles: There are a ton of services that can help you earn a little extra cash. You could rent out storage space with Neighbor, walk dogs through Wag, sell advertising space on your car via Wrapify, and more. You just need to look!
3. Utilize Free Services: From free college courses on Coursera to free items on Facebook Buy Nothing Groups, there are numerous free services available that you may not be aware of. Also, don’t sleep on your local public library, where you could rent out devices like laptops and tablets, access free entertainment like movies and board games, or find valuable personal and professional growth resources.

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

Access up to $500K of your home equity with no additional monthly payments

If you want to access your home equity — but don’t qualify for a traditional HELOC — Splitero could be perfect.

How it works: Splitero is a Home Equity Investment product that bets on your home's future value going up. You get cash now, and when you cash settle, sell, or refinance, you give Splitero 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 Splitero is entitled to also decreases. That could be a lot safer for you.)

Splitero is rated “A” by the BBB and you can use the money however you like. Pay off debt, renovate your home, or invest, all without worrying about additional monthly payments.

You may qualify if you:

1. Have some equity in your home — 30% or more.
2. Have a credit score of 500+.
3. It’s your residence, and you live there.

Save potentially $1,000 or more on home insurance

If you want better or more affordable home insurance, there is ONE thing you should never skip in the process of finding a policy: Getting multiple options from a variety of home insurance providers.

Too many homeowners skip this step — not realizing that they could save potentially $1,000s over the lifetime of owning their house just by switching. And yes, you can switch your home insurance at any time.

Provide Home Insurance is a company that matches you with home insurance options from a variety of lenders to meet your home insurance needs … including lower overall cost or better overall coverage.

Just answer a few questions, and they will find options that are right for you. And heads up — the insurance company you choose may call you. Do NOT ignore the call, as they want to work with you to find the best rate possible.

Enter your zip code to get started