I have credit card debt
Balance transfers, consolidation, and which card to pay first.
Independent debt math · free
Find your fastest way out of debt
Run your own numbers. We show the total cost, fees included, and tell you when a loan would cost you more.
Worked example · 3 cards, $500/month
36 moAvalanche, highest rate first
$670Interest saved vs snowball
AvalancheSnowball
Rewards card $6,500 at 27.99% · Store card $1,200 at 19.99% · Travel card $4,800 at 22.49%. Use your numbers
Tool 1
Should you consolidate?
Compares a loan with what you already pay, fees included.
This loan costs you about $398 more.
Run your numbersTool 2
Snowball or avalanche?
Months to debt-free, interest saved and the order to pay.
| Method | Debt-free | Interest |
|---|---|---|
| Avalanche | Oct 2029 | $5,117 |
| Snowball | Nov 2029 | $5,787 |
Minimum payments only on the consolidation example: 44 yr 1 mo.
Start with your situation
What's going on?
I'm being contacted by collectors
Your rights under federal law, what collectors can't do, and who is calling.
I have medical bills
How medical debt reaches your credit report, and how it comes off.
I'm considering settlement
The fees, the credit damage and the tax bill, before you sign anything.
More topics
Latest guides
Plain answers, with sources
Collections
Florida Statute of Limitations on Debt: Time Limits by Debt Type
How long a creditor or debt collector has to sue you in Florida, what can pause the clock, what Florida's collection law adds, and what to do if you're sued over an old debt.
Oct 29, 2026CollectionsDebt Validation, Step by Step: What to Check, What to Send and What to Track
Debt validation step by step as of October 2026: what the notice must contain, the 30 day window, how to request verification and track the reply in full.
Oct 28, 2026CollectionsDebt Validation Letter: What Reg F Requires and a CFPB Sample Letter
What a debt collector's validation notice must include under Regulation F, how long you have to dispute, what happens after you do, and a sample letter based on the CFPB's.
Oct 27, 2026CollectionsWage Garnishment: Federal Limits and Where to Check Your State
How much of your paycheck can be garnished under federal law, which debts can take more, which benefits are protected, and where to check your state's rules.
Oct 26, 2026Credit ScoreHow to Monitor Your Credit While You Pay Off Debt
A payoff plan changes your credit report every month. Baseline your reports free, then watch balances, utilization and new items, and act on errors while they're small.
Oct 23, 2026Credit ScoreFree vs. Paid Credit Monitoring: What You Actually Get
Free monitoring covers one bureau well. Paid monitoring adds dispute tools, three-bureau reports and identity coverage. What each tier really includes, what it costs, and who should pay.
Oct 23, 2026Independent
Owned by Cloudalien Technologies LLC. No lender owns or funds us.
Not a lender
We don't arrange loans, take applications or match you with lenders.
Your details stay yours
No form here asks for income, balances or account numbers.
How we make money
Some links pay us a commission. It never changes the answer. Read how