Paying 20%+ APR? Here’s How Some Americans Are Tackling Credit Card Debt in 2025

If high-interest balances are eating your paycheck, here’s a quick way to check whether you may qualify for a program that could lower your monthly payment.

Minimum payments can feel endless—especially with today’s interest rates. Many readers don’t realize there are debt relief programs (not loans) that focus on negotiating enrolled balances and simplifying monthly payments. You can check eligibility in about a minute and talk to a specialist at no cost.

How these programs generally work

Assessment: A quick evaluation reviews your unsecured debts (credit cards, personal loans, some medical bills).
One program: If eligible, you enroll accounts and make one monthly program payment instead of juggling multiple bills.
Negotiation: The provider works to negotiate with creditors; fees are typically performance-based and disclosed up front.

Curious if you’re a fit? Try the free eligibility check—no hard credit inquiry to see options.

Who may qualify

Every provider has its own criteria, but people often see better options when they have:

$20,000+ in unsecured debt (ranges vary by provider and state)
Multiple credit card balances
Strain making current payments or recent delinquencies

If that sounds like you, see if you may qualify. It’s free and there’s no obligation to proceed.

Start Free Debt Evaluation

What to have ready for the free call

Rough total of credit card balances
Approximate interest rates or minimum payments
Your state of residence

Once you’ve completed the quick online step, a specialist can walk you through details. You can also jump straight to the free evaluation now.

Will this hurt my credit?

The initial online eligibility check does not require a hard credit pull. Program enrollment can affect credit—ask the provider for specifics.

Is this a loan?

No. These are debt relief programs that work differently from consolidation loans.

Are there fees?

Providers typically charge performance-based fees disclosed before enrollment. Always review the provider’s disclosures.

Check My Eligibility

Important Disclosures: We are not a lender. Program availability and eligibility vary by state and provider. Results are not guaranteed and will vary based on your individual situation and the provider’s terms. Completing the online form does not enroll you in a program; you may be contacted by a debt-relief provider. Read all provider disclosures for fees and terms.