debt consolidation
Simplify and outsmart your debt
Borrow up to $50,000 to pay off multiple debts
Secure fixed rates as low as 6.25% APR
Access funds in as little as 24 hours
TrustScore 4.8 / 5
$20 Billion+
in debt resolved1
$14 Billion+
in loans to members
Why consolidate debt
Combine bills into 1 easy payment2
Simplify multiple debts and payment dates with 1 fixed monthly payment.
Pay down debt faster
Get rid of debt sooner than paying minimums on high-interest debts.
Customize payment plans
Plan your terms, receive potential discounts, monthly savings, and more.
3 solutions to help consolidate your debt
Personal loans plan (example)
Monthly payment
$562
Loan amount
$20,000
APR
19.54%
Pay down debt sooner
4 years 🙌
Home loans plan (example)
Monthly payment
$951
Loan amount
$57,150
Term length
15 Years
Est. total savings
$7,200 avg 🙌
Debt plan example
Est. program deposit
$334/mo
Est. total enrolled debt
$25,288
Est. program cost (includes fees)
$17,218
Est. program savings
$8,069 🙌
Debt plan example
Est. program deposit
$334/mo
Est. total enrolled debt
$25,288
Est. program cost (includes fees)
$17,218
Est. program savings
$8,069 🙌
NOT SURE HOW TO START?
Find your best fit in 1 minute
How much debt do you have?
$30,000
Do you own your home?
Debt consolidation plan (example)
Monthly payment
$951
Loan amount
$57,150
Term length
15 years
APR
12.75%
Member Voices
Consolidating debt
“My initial goal was to consolidate some high-interest credit cards and loans into one payment and to save interest, which I did. I mean, it was incredible!”
— Jeremy R., Achieve member, home equity loan
“Our loan enabled us to consolidate debt into a lower interest, single payment to help bring our debt under control…It made me feel like I wasn’t alone and that other people were dealing with similar things.”
— Leah M., Achieve member, personal loan
"Graduating from the program was a very up moment in life. My debt was gone.”
— Kevin C., Achieve member who graduated from our debt relief program in approx. three years, five months
*Actual members. Members’ endorsement is a paid testimonial. Individual results are not typical and will vary.
Consolidate debt your way
Pay down your debts faster
Get rid of debt faster than making minimum payments.
Customized payment plan
Get in control of monthly payments, payment date, terms, and more.
Fixed monthly payments
Your payments will stay the same so there are no surprises.
Make debt paydown easy
Get support and guidance throughout the debt relief process.
Good credit not required
Qualify for loan options with fair credit. You don’t need good credit to be eligible for debt relief.
Personalized help
Get answers and help from expert consultants who care about your financial future.
Debt Consolidation articles
Daily progress toward your debt-free goals
See where your money’s going, make a smarter debt payoff plan, and get debt-free faster with the free Achieve GOOD™ app.