The right approach to debt relief is different for all of us. Answer a few quick questions and see which options apply to your situation.
Start My Free Assessment →What the next few steps will look like
About your debt total, type, and monthly income, takes under 2 minutes.
See which approach, settlement, consolidation, or credit counseling, fits your numbers.
A specialist walks you through real terms before you decide anything.
This isn't a loan application, just a quick way to see what options we recommend for you.
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This assessment is intended for adults reviewing their own finances.
Based on your answers, a debt settlement program may be worth exploring. A specialist can walk you through real terms and numbers, no cost, no obligation, and no guarantee of any specific outcome.
See My Options With TurboDebt →You'll be connected with TurboDebt, LLC, a debt settlement company. ClearPath Debt Guide may receive compensation if you enroll in a program. This is not a guarantee of results; actual savings and program length vary by individual circumstances.
Based on your answers, our debt relief program isn't a match at this time. Debt settlement programs are generally designed for larger unsecured balances and typically require a steady income to fund the program.
If you're looking for support in the meantime, a nonprofit credit counseling agency (like one accredited through the National Foundation for Credit Counseling) offers free or low-cost budget counseling regardless of income or balance.
Return to HomeHere's the honest tradeoff between the three most common paths, so you know what you're choosing before you talk to anyone.
A nonprofit agency negotiates lower interest rates; you repay the full balance over time.
A company negotiates with creditors to settle for less than you owe, often over 24–48 months.
One new loan pays off multiple debts, leaving a single fixed monthly payment.
No cost to check, no obligation to enroll, and no impact to your credit score.
Take the Free Assessment →