consumerfinance.gov
Consumer Financial Protection Bureau
The government agency that watches out for consumers. Plain-language guides on debt, credit, and your rights.
Free & trusted
Resources we trust
If you're not ready for coaching — or just want to get moving on your own — start here. These are the free, trusted places we point people to. No sign-ups, no sales pitch, no strings.
Understand your situation
Start here — read before you act.
Visit resource
ftc.gov
FTC: Coping with Debt
A step-by-step guide to facing debt without panicking.
annualcreditreport.com
AnnualCreditReport.com
The only place to get your free credit report every week, no strings attached.
Take action
Use these once you know your numbers.
undebt.it
Undebt.it debt payoff calculator
A tool for laying out a debt payoff plan on your own.
ftc.gov
FTC: Debt Collection FAQs
What debt collectors can and can't do — know your rights before you pick up the phone.
nfcc.org
National Foundation for Credit Counseling
Nonprofit credit counseling if you want a second set of eyes.
Where to start
Not sure where to begin? Start with your number.
A good first step is to get clear on where you stand. Our calculator takes about two minutes and gives you a starting point.