Find the way out of debt that actually fits you.
Debt settlement, consolidation loans, credit counseling and more, explained honestly, including the parts that can go wrong.
The main ways to deal with debt
Debt settlement
A company tries to get creditors to accept less than you owe. It usually means you stop paying them first, which carries real risk.
Consolidation loans
One new fixed loan pays off several debts. It helps only if the total cost is lower than what you pay now.
Personal loans
Borrow a set amount and repay it monthly. Your rate depends heavily on your credit and income.
Credit counseling
A nonprofit counselor reviews your budget and may offer a debt management plan with lower rates.
Bankruptcy
A legal process with lasting effects. For some people it's the fastest way to a clean restart.
Side by side
See how each option affects your credit, what it costs and how long it takes.
How it works
- Learn your optionsRead what each path costs and risks, or use the option finder.
- Tell us your situationIf you want help, share your debt amount and state.
- Hear from a providerWe pass your request to a partner licensed for your state, and they explain terms.
- Decide with no pressureCompare the offer with your other options. You don't have to accept it.
Local numbers for your city
We publish cost and credit card debt figures for 55 big-city areas, with sources on each page.
Common questions
Is Debt Relief Path a lender or a debt settlement company?
No. We explain your options and refer people to independent providers. We don't lend money, negotiate with creditors or hold your funds, and partners may pay us for referrals.
How much household debt do Americans have?
The Federal Reserve Bank of New York reported $18.8 trillion in total household debt for the second quarter of 2026, including $1.26 trillion in credit card balances.
Does debt settlement hurt your credit?
It can. The FTC warns that programs often ask you to stop paying creditors, which can damage your credit report. Creditors can also keep collecting or sue.
Which option should I look at first?
For most people, a free conversation with a nonprofit credit counselor is a sensible first step. Settlement tends to be considered when you already can't keep up with payments.