Best Debt Relief Companies 2025

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Key takeaways

Paying off credit card debt improves your credit score and reduces interest payments.
Debt repayment strategies range from DIY methods to consolidation and debt settlement.
The best strategy depends on your debt levels, financial situation, and personal preferences.

The cost of living and inflation are on the rise. According to data from the U.S. Labor Department, inflation increased at a rate of 2.9% this past August. The result, more and more people are relying on their credit cards to get by.

As people spend on credit, debt grows. The Federal Reserve put American credit card debt at $1.14 trillion in the second quarter of 2024. That is a whole mountain of debt. With interest rates at historic highs of nearly 23%, it’s harder than ever to repay debt.

We’ve put together a few strategies to help you efficiently reduce your credit card bills and become debt-free!

Try debt payment strategies

When you’re struggling with credit card bills, the first step is to try to deal with them yourself. DIY methods that can effectively reduce what you owe.

Pay more than the minimum

Paying only the minimum on your credit card each month may seem like an easy way to keep up with payments and not hurt your credit score. Unfortunately, they’re a bad idea.

Credit card companies make money off interest. The minimum payment is usually only 2% of your balance. If you only pay the minimum, your issuer will charge interest on the remaining balance. Over time, your balance will grow, and you’ll pay more and more in interest. If you pay more than the minimum – ideally the entire balance – you’ll reduce your principal balance faster. The lower your balance, the less interest you pay, and you’ll get out of debt sooner.

For example, if you owe $5,000 on a credit card with a 20% APR and only make the minimum payments, it could take you over a decade to pay off the balance. But by doubling your monthly payment or adding an extra $50 to $100 when possible, you’ll knock out the balance faster and save hundreds or even thousands in interest.

A good rule of thumb is to aim for at least double the minimum payment if your budget allows. Even small increases can make a big impact over time, helping you get closer to financial freedom.

Snowball or avalanche methods

The snowball and avalanche methods help you pay off debts efficiently. With the snowball method, you list all your balances from smallest to largest. Then, make all the minimum payments except for the smallest. Pay as much as you can toward the smallest debt. Once that balance is paid off, you take the amount you were paying on it and apply it to the next smallest debt, and so on. This method creates a snowball effect, where you gain momentum and confidence with each paid-off balance.

The avalanche method works similarly, except you list balances from highest-interest rate to lowest. Start by paying off the debt with the highest-interest rate first while making minimum payments on all the rest. By paying off the highest interest debt first, you will save money in the long run.

The snowball method gives you motivation with quick wins that can keep you encouraged throughout the process but you may end up paying more over time. The avalanche method helps you save money on interest, but it can take a while to pay off your first debt.

These strategies work best for those who can keep themselves disciplined and motivated.

Consider debt consolidation

If you’re struggling with multiple credit card balances and high interest rates, debt consolidation could be an effective solution to simplify your payments and potentially save money on interest. By combining your debts into a single, more manageable payment, you may find it easier to stay on track and pay off your balances faster.

Debt consolidation loans

A debt consolidation loan allows you to roll multiple credit card balances into one loan with a fixed interest rate and monthly payment. The idea is to take out a personal loan with a lower annual percentage rate (APR) than your current credit cards. Then, use the loan to pay off all your accounts. Instead of juggling multiple payments, you now have one monthly payment.

Having one bill to pay each month can simplify your finances and make it easier to pay on time – no more late fees. Most personal loans (especially for good credit) have a lower APR than credit cards, meaning you’ll save on interest payments.

It’s important to watch out for fees associated with the loan and to make sure that it will cost you less overall. Also, once the debt is consolidated, don’t continue to run up new charges on your credit card.

Applying for a loan will initially cause your credit score to dip. This is due to the hard inquiry and is only temporary. As soon as you start paying down your debt on time, your score will increase. If you’ve only had credit cards in the past, a personal loan can increase your credit mix, which is a plus for your score.

This strategy is best for those who want to simplify payments and are looking for a lower interest rate.

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Balance transfer credit cards

A balance transfer credit card allows you to transfer your existing credit card balances to a new card, often with a low or 0% introductory interest rate for a set period. During this promotional period—typically between 12 and 18 months—you can make payments without accruing interest.

A 0% APR balance transfer credit card can be a great tool, but it’s not perfect. First of all, you will need to have good to excellent credit to qualify. Secondly, they come with fees. Make sure that the fees won’t eat too much into your savings. Most importantly, if you don’t pay off the entire balance before the promotional period ends, you could be hit with a high interest rate. Do the math and make sure you can afford to pay off the entire transferred balance before the promotional period ends. If you cannot, this is not a good method for you.

Similar to a debt consolidation loan, taking out a new credit card will initially lower your credit score. Make on-time payments, keep your utilization below 30% of your limit, and you’re score will rebound in no time. It may even increase as you successfully pay down your debt.

This strategy is best for those with good to excellent credit who can commit to paying off the entire balance within the promotional window.

Seek help through debt relief

When your credit card debt feels unmanageable and you’re struggling to keep up with payments, debt relief may be the answer. The exact form of relief depends on your financial situation. You may be able to reduce the amount you owe, lower your interest rates, or even wipe out your debt altogether.

Debt management plans

Debt management plans (DMP) are arranged through nonprofit credit counseling agencies. In a DMP, the credit counselor works with you and your creditors to create a plan for paying off your balances, often with lower interest rates or waived fees. You’ll make one monthly payment to the credit counseling agency, and they will distribute it to your creditors.

Here’s how it works:

You’ll meet with a credit counselor who will review your financial situation.
The counselor will negotiate with your creditors to reduce interest rates and fees.
The credit counselor will set up a more manageable repayment schedule.
You’ll then make a single monthly payment to the agency, which will disburse the funds to your creditors.

Debt management plans are particularly helpful if you’re overwhelmed by multiple credit card bills and want to avoid more drastic options like debt settlement or bankruptcy. For a DMP to work, you have to afford the monthly payments. Credit counseling agencies also charge fees for their services, but these fees are low and can potentially be waived. You must also close your credit card accounts while participating in a DMP. Closing accounts – especially if they’re old – can hurt your credit score. Your credit score will improve as you make timely payments and pay off your balances.

This strategy is best for those who can afford the monthly payments, don’t want to apply for a consolidation loan, and need a little guidance.

Debt settlement

Debt settlement is a more aggressive approach to debt relief and involves negotiating with your creditors to settle your debt for less than you owe. This can be done on your own or through a debt settlement company. The goal is to pay a lump sum, less than the total balance, to settle the debt entirely.

For debt settlement to work, you often must be very behind on payments, possibly have delinquent debt, and but be able to pay a portion of what you owe. If you work with a debt settlement company, they often ask you to stop paying your creditors and instead make monthly payments into a savings account. Once you’ve saved enough for a lump sum payment, an agent will negotiate with your creditors to accept a reduced amount. Creditors are willing to negotiate since they want to receive something instead of nothing at all.

Once an agreement is reached, you pay the settled amount in a lump sum, and the creditor will forgive the remaining balance. A mark will be added to your credit report, noting that the account was ‘settled.’ This note will remain on your report for seven years and will hurt your credit score.

Debt settlement is not free if you work with a company. Most companies charge 15% to 25% of the original balance for their services. They will only take payment after an agreement is reached. Plus, you may owe taxes on the settled debt as the IRS considers it income.

This option is best suited for those who are already behind on payments and have exhausted other options. It is generally considered the last step before bankruptcy.

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Negotiate with creditors

If you’re falling behind on payments or facing financial hardship, it’s worth reaching out to your creditors to see if you can negotiate more favorable terms. Credit card companies don’t want you to default on your debt, so they may be willing to work with you to create a more manageable repayment plan.

You might be able to negotiate a lower interest rate, reduced monthly payment, temporary forbearance (pause in payments), or waived fees or penalties.

To start the process, contact your credit card issuer and explain your situation. Be honest about your financial struggles and ask if they offer any hardship programs. While there’s no guarantee that creditors will agree to your requests, they may be more willing to negotiate if they believe it’s the best way to ensure they get repaid.

This strategy is best for those who are facing financial difficulties and have a good relationship with their creditors.

Bankruptcy

Bankruptcy is a last resort for managing overwhelming debt. It can give you a fresh financial start but has serious long-term consequences. There are two common types of personal bankruptcy: Chapter 7 and Chapter 13.

Chapter 7 bankruptcy involves liquidating your assets to pay off your debts. If you qualify, most or all of your unsecured debts, including credit card debt, can be discharged. You will be required to sell off some of your assets (essentials like clothing are excluded). Bankruptcy will stay on your credit report for up to 10 years, severely dragging down your score. This will make it difficult to obtain new credit.

Chapter 13 bankruptcy allows you to keep your assets but requires you to follow a court-approved repayment plan, typically lasting three to five years. After completing the plan, any remaining credit card debt may be discharged. Chapter 13 stays on your credit report for up to seven years and similarly hurts your credit score.

While bankruptcy can offer a fresh start by wiping out most unsecured debts, it also has long-lasting effects on your credit and financial reputation. It’s important to consult with a bankruptcy attorney to understand whether this is the best option for you and to fully grasp the legal implications of filing for bankruptcy.

This option is best suited for those who have tried everything else and have over $10,000 in unsecured debts.

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Frequently asked questions

1. Does credit card debt hurt your credit score?

Yes, credit card debt can hurt your score. Your credit utilization ratio, or how much of your available credit you use, determines 30% of your score. When you max out your cards or carry a large balance, you have a high utilization ratio, which lowers your credit score.

2. What effect does paying off a credit card have on my credit score?

Paying off a credit card will help improve your score. It reduces your credit utilization ratio, a key factor in credit scoring, and shows lenders that you can manage credit responsibly.

3. How fast will my credit score go up after I pay off my credit card balance?

Financial institutions report credit activity to the credit bureaus once a month at the end of the billing cycle. It will take 30 to 60 days for the change to be reflected in your credit score. How long it takes depends on when your payment was made and your card issuer’s reporting schedule.

4. Should I pay off my credit card completely or keep a balance?

It’s best to pay off your credit card balances completely every month. Carrying a balance doesn’t help your credit score and only leads to paying more interest. Paying off your balance in full each month reduces your credit utilization, improves your credit score, and saves you money by avoiding interest charges.

5. Which card should I focus on paying off first?

Focus on paying off the credit card with the highest interest rate first. This will save you money in the long run.

Bottom line

There are plenty of ways to pay off your debts. To decide what strategy is best for you, consider your current finances and what you can afford. Not every debt payoff strategy works for everyone. If your cash flow is low, make the minimum payments and throw whatever you can towards one of your balances. If you can afford to pay more and are tired of the snowball or avalanche methods, try consolidation or negotiating with your creditor. Talking to a credit counselor can be a good way to figure out your options and decide the right path for you.

There are plenty of debt relief tools available to help you chip away at your balances and get out of debt. Take action today, stay consistent, and you’ll be on your way to financial freedom.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

2. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

3. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC

6. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions.

7. You may earn Points in connection with your everyday spending and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. The Current Points program is not available to Teen Account holders. See Current Points Terms and Conditions.

8. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

9. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. For more information, please refer to Current Boost Terms and Conditions.

10. Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Terms and conditions apply. When you buy or sell cryptocurrency, a difference between the current market price and the price you buy or sell that asset for is called a spread. However, unlike most other exchanges Current does not charge an additional trading fee. Cryptocurrency transactions are a form of investment, and all investments are subject to investment risks, including possible loss of the principal amount invested. Cryptocurrency is not insured by the FDIC or any other government-backed or third-party insurance. Your purchase of cryptocurrency is not a deposit or other obligation of, or guaranteed by, Choice Financial Group or Cross River Bank. The cryptocurrency assets in your Zero Hash account are not held at Current, Choice Financial Group, or Cross River Bank. Current, Choice Financial Group, and Cross River Bank are not responsible for the cryptocurrency assets held in any Zero Hash account. Neither Current, Choice, nor Cross River Bank is involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Terms and Conditions apply (platform and user agreements). Crypto on Current is not currently available in HI. Licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. This does not constitute investment advice.

11. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

12. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

13. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

14. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

15. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

16. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

17. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

18. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

19. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

20. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

21. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

22. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

23. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

24. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

25. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

26. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

27. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

28. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

29. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

30. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

31. Tipping or not tipping has no impact on your eligibility for SpotMe®.

32. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

33. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

34. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

35. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

36. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

37. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

Best Debt Relief Options in 2025