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If your debt becomes much harder to pay off because the interest payments on that amount prevent you from making any real progress.
Read our list of "debt shortcuts" below and pay off your debt faster.
Ask this company to pay off your 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?
National Debt Relief could help. If you have more than $30,000 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 program payment.
Best of all? There are zero fees until your debt is settled, and you could be debt-free in 24-48 months. To get started, just answer a few simple questions. It only takes 30 seconds to see if you qualify!1 <p>Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes. Clients who are able to stay with the program and get all their debt settled realize approximate savings of 45% before fees, or 20% including our fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We 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. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. 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, we may be available to recommend a local tax professional and/or bankruptcy attorney. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating. "Debt-Free" applies only to enrolled credit cards, personal loans, and medical bills. Not mortgages, car loans, or other debts. Results vary.</p>
Earn a $200 Bonus with this no annual fee card
Right now the Chase Freedom Flex®(Rates and fees) lets you earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
In addition to this welcome offer, this card lets you earn cash back on everything you buy. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.
And it gets better (really): This card also gives you 0% intro APR on purchases and balance transfers for 15 months. That means you could finance large purchases or pay down high-interest debt for over a year. After the intro period, the APR is 18.49% - 27.99% Variable. Oh, and the annual fee is $0.
It's almost a no-brainer to apply — this card might the best-in-class amongst similarly-featured credit cards, especially with the bonus.
Good or excellent credit (typically 670 or higher) is recommended.
Homeowners in Ohio could be eligible to borrow from their home equity (see if you qualify)
If have a high mortgage rate in Ohio and you're looking to pull cash out from your equity, you need to see this. This popular program from Rocket Mortgage2 <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> lets you unlock up to $400,000 from your home's equity by replacing your current mortgage with a new one and pocketing the difference.
You keep a single loan and a single payment — no second bill stacked on top. And because it's your primary mortgage, the rate is typically lower than a HELOC or home equity loan, and fixed so it won't climb. Trustpilot Rating: "Excellent" 4.5/5, with over 41K reviews.
You might be eligible if you check these 3 boxes:
- You’ve owned your home for 2+ years.
- You’ve built some equity.
- Your credit score is 650 or higher.
This plan helps protect select Ohio homes from many expensive appliance and home repairs (see if you qualify)
Everyone talks about home insurance, but hardly anyone talks about this. If you live in Ohio and own your home, you could save $1,000s on home repairs without much work at all.
American Home Shield is currently helping homeowners slash appliance repair bills. Instead of paying $1,000s, you pay for a monthly plan and a simple one-time service fee per covered repair.
Getting a monthly plan could help you tap into immense savings for nearly any system or appliance in your home that’s covered.
Not everyone is eligible for this plan so here’s how to check:- Click the link below and enter your name, address, phone number and email.
- Hit the “Get Free Quote” button.
- If you qualify, select a plan.
Complete this short form to see if you qualify
P.S. Use the link above, and you'll get 50% off your first year on select plans!3 <p>Discounts for individual consumers may vary between 30-50%. Pricing available to new members for first-year ShieldGold™ and ShieldSilver™️base plans only.</p>
Pay no interest on balance transfers into 2028 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 pause credit card interest on balance transfers into 2028 ... and the best part is that it could be easier than you think.
Citi Double Cash® Card is an extremely powerful card that gives you 0% intro APR for an astounding 18 months on balance transfers. (Then APR is 18.49% - 28.74% (Variable)). That's right. You can 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 Citi Double Cash® Card also lets you earn up to 2% on all purchases. You can also earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
Check if you qualify to settle your credit card debt for less than you owe
Let’s be so for real - growing credit card debt feels like drowning. But there’s nothing you can do about it, right? Wrong.
If you have more than $30,000 in debt from credit cards, medical bills, collections, or personal loans, National Debt Relief might be able to assist you.
Best part? It sounds crazy but there are zero upfront fees, and you could be debt-free in 24-48 months.
All you have to do to get started is answer a few simple questions. It only takes 30 seconds to see if you qualify!
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.
Pay no interest on balance transfers until 2028 (21 months!)
Imagine getting an intro 0% APR for 21 months from date of account opening on balance transfers (APR then 16.74% - 27.49% (Variable)). Sounds great — right? You could dramatically change your financial picture with this industry-leading low-interest card - the Citi® Diamond Preferred® 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 21 months from date of account opening, then a 16.74% - 27.49% (Variable) APR (balance transfers must be completed within 4 months of account opening). 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 12 months from date of account opening on purchases. After the intro period for purchases and balance transfers, the APR is 16.74% - 27.49% (Variable).
The best part? There's no annual fee with the Citi® Diamond Preferred® Card (Rates and fees).
Click here to Apply Now to the Citi® Diamond Preferred® Card
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.
See if you qualify for this Ohio Debt Relief program
Tap your credit card debt for a free estimate