How to Get Out of Debt
Debt can be a vicious cycle: you’re out, you’re in, and around and around it goes. Make a plan to knock out your debt once and for all.
Debt Weighs Heavy. Lighten Your Load.
You might be embarrassed, ashamed, or maybe you just want to ignore your debt—but it won’t go away, no matter how nicely you ask. It’s a gray cloud that lurks over your days more often than you’d like.
Imagine life without the weight of debt. You’d feel lighter—free. You can break out of debt for good and feel those floaty fluffy vibes in your everyday life.
We Can Help You Demolish Your Debt
We’ve helped thousands of people pay off millions of dollars of debt. We won’t shame you, guilt you,
or force you to eat ramen until that last dollar is gone. Here’s how it works.
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1. Sign Up for a Free Trial
Try our app. Consume our free content. Poke around a bit. Decide if you like us.
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2. Make a Plan
Create your budget, experiment with different repayment options, organize your payoff plan, and feel more in control.
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3. Destroy Your Debt
You’ll find extra money to put towards monthly payments and your balances will shrink to oblivion. Freedom!
"We Paid Off $180,000"
Liz and her husband will be the first to tell you they don’t make an excessive amount of money. But with the help of a budget and being consistent about their repayment plan, they paid off $180,000 of debt in five years without feeling like they were running a marathon of scrimping and saving.
What's Your Debt Pain Point? We Can Help!
Practical Tools For Paying Off Debt
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Read the Full Guide
This comprehensive guide will walk you through how to pay off debt and make a plan no matter where you’re starting.
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Hands-On Learning
Our always-friendly teachers will show you the step-by-step mechanics of making a debt paydown plan in your budget.
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Debt Video Course
Make your own debt management plan in this approachable, bite-sized, and often hilarious video course.
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Get Connected
Need encouragement to stay on track? Take part in a like-minded community and stay motivated to pay down debt faster!
Join The Community
Recommended Resources
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Watch: This Couple Paid Off $266K of Debt in 33 Months
Who: Lauren and Kyle Mochizuki Where: San Juan Capistrano, California Total Debt: $266,000 Type of Debt: Credit card: $2,000 Car loans: $34,000 Mortgage: $230,000 Time to payoff: 2.75 years How they did it: Picked up work shifts Got a second job Made a chart with all their debt and celebrated every win Budgeted in YNAB …
Read Blog Located in: Learn to Budget / Blog -
Paying Off $200k At My Own Pace
In 2015, Vanessa had to face her student debt—six figures worth. She wrote the amount on a Post-it Note, stuck it to her laptop, and began researching everything personal finance. Her search brought her to YNAB, and she has used the budgeting app to create her slow-but-steady debt pay-off plan. Today, working as a district administrator in LA, that number doesn’t overwhelm her or hold her back. She now has the skills and habits to manage her finances stress-free.
Watch Video Located in: YouTube / Video -
How to Deal with Debt Stress
Being in debt is never fun. In fact, it can be downright stressful! But with rising rent prices and student loans, debt stress is a reality for most people. In fact, the average American has around $90,460 in debt. If you’re carrying debt, you know the weight isn’t a physical burden—it’s a mental and emotional …
Read Blog Located in: Learn to Budget / Blog -
How to Pay Off Debt Fast: 12 Ideas
Trying to figure out how to pay off debt fast? Good for you. Once you commit—like, really commit—to tackling your debt, you might find that you get a little bit obsessed (in the best way!) with paying off your debt as aggressively as possible…and that’s the best way to get out of debt—and improve your …
Read Blog Located in: Learn to Budget / Blog -
Should I Consolidate My Debt?
If you have a long string of debts that feel overwhelming to manage, you might be asking yourself, “Should I consolidate my debt?” Before you take any steps, I want to explain a few things that are very important to consider when making the debt consolidation decision. Home Equity Loans Put Your Home at Risk …
Read Blog Located in: Learn to Budget / Blog