★★★★★
“Debt Free America helped me in a huge way. I am so grateful to the entire team—they were extremely attentive and helped answer all my questions to take this step. 100% recommended!”
ValentinaGoogle review
Debt strategy built around real life
Understand your debt before you choose a solution.
Debt Free America helps people with $10,000+ in eligible unsecured debt understand what they owe, compare realistic paths forward, and see whether a structured monthly plan makes sense.
✓Free consultation✓No upfront fees✓Available in most states✓Real people
A consultation, not a pitch
We don't start with a program.
We start with your numbers.
Two people can owe the same amount and still need very different paths. Your income, creditors, monthly payments, cash flow and goals all matter.
01 — UNDERSTAND
We review the situation.
Your eligible debts, current payments and monthly cash flow come first.
02 — COMPARE
We walk through the paths.
We show what continuing your current path looks like and what alternatives may be realistic.
03 — DECIDE
You choose what happens next.
If a Debt Free America plan makes sense, we explain the numbers and the tradeoffs. You decide.
Different situations. Different paths.
Debt doesn't have just one solution.
The goal of your review is to understand what may be realistic for your situation—not force everyone into the same answer.
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Keep paying as-is
Understand what your current minimum payments, interest rates and payoff timeline may actually mean over time.
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Consolidation
A new loan may make sense when credit, rate and affordability line up. Your consultant can help you understand the tradeoffs.
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Structured debt plan
For larger eligible unsecured balances where minimum payments may no longer create a realistic path forward.
If what Debt Free America offers isn't a fit, we'll tell you.
Built around real households
Debt is a number. The stress behind it is personal.
A good plan should create more than a lower payment. It should help give your household room to breathe, make decisions together, and start looking forward again.
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Less monthly pressureMore room in the household budget.
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A plan you can explain at homeClear numbers, timelines and tradeoffs.
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A real person to callQuestions answered by a consultant, not a chatbot.
“The goal is not just to deal with debt. It's to help people feel like they can breathe again.”
Debt Free America
Who we're built to help
Know whether DFA fits before you spend time on a call.
We specialize in serious unsecured debt. Clear qualification helps protect your time and ours.
Best fit for Debt Free America
✓Have $10,000+ in eligible unsecured debt
✓Credit cards, personal loans, medical bills, store cards / BNPL, payday loans or other eligible unsecured balances
✓Can afford at least $250/month toward becoming debt-free
✓Want a defined plan rather than years of minimum payments
Debt we generally can't include
×Auto / vehicle loans
×Mortgage / HELOC
×Federal student loans
×Tax / government debt
See the numbers
See what a monthly plan could look like.
Drag the slider for an illustrative monthly payment, then speak with a consultant who can review the actual debts, creditors and household budget behind the number.
This calculator is educational only. It is not an offer, approval or guarantee.
How much debt do you have?
$10,000
$10,000$100,000+
Illustrative monthly program payment~$153
Estimate for illustrative purposes only. Results vary based on amount, creditors, interest, financial situation and program terms. Programs may affect your credit. Resolved debt may be considered taxable income; consult a tax professional.
What clients say
Real people. Real experiences.
G
★★★★★
Google customer reviewsCustomer names are shown as first name only. Reviews reflect Debt Free America's connected Google Business Profile.
Learning Center · AJ on Finance
Understand your money before anyone asks you to make a decision.
Free education and tools built to help you understand interest, minimum payments, cash flow and the options that may be available.
Visit the Learning CenterFrequently asked questions
Know what the first conversation is—and what it isn't.
Is this a loan?
No. Debt Free America is not a lender. Your consultation is designed to review your situation and determine whether a structured debt plan may be appropriate.
Will I be pressured to enroll?
The goal is to understand your numbers and options. If a DFA plan fits, your consultant can explain it. You decide whether to move forward.
Will this affect my credit?
The consultation does not. Some options, including a structured debt plan, can lower your credit score for a period. Your consultant explains how each option may affect you before you choose.
How are fees charged?
There are no upfront fees. Program fees are charged only after a debt is resolved.
What debt can DFA generally help with?
Eligible unsecured debt can include credit cards, personal loans, medical bills, store cards / BNPL, payday loans and other qualifying unsecured balances.
What if I have less than $10,000?
DFA's structured programs are generally designed for people with at least $10,000 in eligible unsecured debt.
Free consultation
Talk to a real person about your options.
Start with your numbers. Understand what may be realistic. Decide what makes sense from there.
✓$10K+ eligible unsecured debt✓No upfront fees✓No obligation
+1 (888) 407-0388Speak with a Debt Consultant
Start with a few basic details. A consultant can take it from there.
Step 1 of 2
Your contact details
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Your information is private and secure.
We do not sell your personal information.
We do not sell your personal information.