Debt Management Plans (DMP)
No new loan required. We negotiate with your creditors to lower APRs to 6–10% and roll every card into one monthly payment paid through a trustee account.
Key Benefits
- No new credit pull
- APRs cut to 6–10%
- Pay off in 36–60 months
- Late and over-limit fees waived
Who It's For
Consumers with $5K+ in unsecured debt who don't qualify for a consolidation loan.
How It Works
- Free budget review
- We negotiate with each creditor
- You make one monthly payment
- Debt-free in 3–5 years
Common Questions
Does a DMP hurt my credit score?
There's no hard pull. Scores typically rise 30–60 points within a year as balances drop.
Related Services
Rated 4.8/5 by 2,143 Americans
Real members. Real results.
"Cut my monthly payment by $612. Done in 48 hours."
Maria S. · Houston, TX
"Honest team. No pressure. Saved me $18,400 in interest."
James R. · Atlanta, GA
"Finally one bill. My credit went up 71 points in 4 months."
Latoya K. · Orlando, FL
"After 7 years of minimums, I have a real payoff date."
Daniel P. · Phoenix, AZ
"Approved same day. Funds the next morning. Real people."
Aisha B. · Chicago, IL
"Best decision of 2026. Wish I'd called a year sooner."
Eric L. · Charlotte, NC
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