To pay your debt off fast, you could consider an option that gives you an upfront lump sum of cash, like a home equity loan.

With U.S. consumer credit card debt at roughly $1.23 trillion in the third quarter of 2025, according to a report by the Federal Reserve Bank of New York, and many people without adequate savings, ...

Freedom Debt Relief reports that negotiating credit card debt can lead to lower payments, waived fees, or partial forgiveness, allowing for financial recovery.

A balance transfer credit card allows you to transfer the debt balance from other credit cards onto a single card.