How Our Debt Assessment Works
Our proprietary recommendation engine analyzes your financial profile across 12+ data points to match you with the optimal debt relief path — in under 5 minutes.
Start Your AssessmentThe 4-Step Process
From assessment to action — here is exactly what happens.
Quick Assessment
Answer questions about your debts, income, credit profile, and financial goals. Takes about 5 minutes — no SSN required.
Smart Analysis
Our engine evaluates 12+ factors including debt-to-income ratio, interest rates, credit utilization, and homeownership status.
Pathway Match
We match you with the best strategy: consolidation loan, HELOC, settlement, or a hybrid approach — with projected savings and timelines.
Partner Connection
We connect you with vetted lending partners who compete for your business, ensuring you get the best rates and terms available.
12+ Data Points Analyzed
Our engine considers the full picture of your financial health.
Three Possible Pathways
Our engine recommends the best fit based on your unique profile.
Debt Consolidation
Best for borrowers with fair-to-good credit who want lower rates and a fixed payoff date. Combines debts into one loan.
Learn MoreHELOC
Best for homeowners with significant equity and $25k+ in debt. Offers the lowest possible rates using your home as collateral.
Learn MoreDebt Settlement
Best for those in financial hardship who cannot qualify for loans. Negotiates with creditors to reduce total amount owed.
Learn MoreReady to Find Your Path to Freedom?
Take our free 5-minute assessment. No SSN required, no credit impact, no obligation.
Start Free Assessment