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Manage Your Debt

Being in debt can be an overwhelming and debilitating experience. But there are smart, proven ways to manage your debt and bring you back into sound financial health. Take the time to examine all your options and pick ones that will help you the most.
Updated: April 16, 2021 | Bill Fay
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Debt.org wants to help those in debt understand their finances and equip themselves with the tools to manage debt. Our information is available for free, however the services that appear on this site are provided by companies who may pay us a marketing fee when you click or sign up. These companies may impact how and where the services appear on the page, but do not affect our editorial decisions, recommendations, or advice. Here is a list of our service providers. 

Advertiser Disclosure

Debt Consolidation

Consolidation is an efficient way to bundle all of your outstanding debts into one loan with favorable terms and a lower payment that is easier for you to pay.

Learn About Debt Consolidation

Debt Settlement

Settlement lowers the amount of your overall debt. You can negotiate with your creditors to get your principal reduced — and to get you back on firm financial footing.

Learn About Debt settlement

Student Loan Consolidation

Consolidation helps students bundle their loan repayments into a single loan – often with easier terms. Forgiveness can cancel the debt entirely for eligible students.

Learn About Student debt

Other Ways to Manage Your Debt

There are a number of ways you can improve your financial standing and make yourself debt-free. Check out a few of these options to see if something here can help you put a plan into place to save you money in some part of your life.

Debt Consolidation

Learn how you can consolidate with or without a loan.

Debt Settlement

Learn how debt settlement may you pay your debt.

Management Plans

Debt management plans pull you out of debt faster.

Credit Card Help

Paying your credit cards on time prevent you from incurring more debt.

Bankruptcy

Bankruptcy is an extreme measure to consider only after exploring less damaging options.

Debt Advice

Tips on how to avoid debt, fixing your financial situation and other advice.

Student Loan Consolidation

Learn how the student loan consolidation process saves you money.

Student Loan Forgiveness

Your choice of career might help wipe away your student loan debt.

Student Loan Repayment Plans

Explore which student loan repayment plans ease your burden.