Check my debt options
Check my debt options
DEBT GUIDES · UNITED STATES

Know what you owe.
Understand your options.

Practical guides for building a verified debt picture and understanding consolidation, credit counseling, hardship support and other paths before you choose a provider or program.

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01Find your debtsStart with credit reports, statements, collections and other records.
02Debt consolidationCompare APR, fees, payment, term and total repayment together.
03Counseling & hardshipKnow when a new loan may not address the underlying problem.
MONETALIO DEBT EDUCATION

Verify first. Compare second.

A lower monthly payment can look attractive, but it does not tell you the full cost or whether a solution fits your situation. Start by confirming what you actually owe, then compare costs, timing, risks and provider terms.

01
Person organizing statements and debt records
DEBT INVENTORY · BASICS

How to find out what debts you have and build one verified list

Credit reports are a useful starting point, but they may not show every obligation. Combine them with lender statements, collection notices, student-loan records, tax balances and any court or creditor correspondence you have.

Credit reportsBalancesCollectionsAccount status
Start with the overview ↗
02
Person comparing debt consolidation terms and monthly payments
DEBT CONSOLIDATION · COMPARISON

Debt consolidation: when does one payment actually improve the picture?

Combining balances can simplify repayment, but the monthly payment is only one part of the comparison. Look at APR, origination or transfer fees, repayment term, total amount repaid and whether the new structure addresses the reason balances accumulated.

APRFeesTermTotal repayment
Explore potential options ↗
03
Person reviewing credit counseling and hardship options
CREDIT COUNSELING · HARDSHIP

When minimum payments are no longer sustainable, what should you compare?

A new loan is not always the right answer. Depending on the situation, you may want to understand creditor hardship programs, nonprofit credit counseling, debt management plans, debt-relief services from independent providers or legal options. Costs, risks and eligibility differ.

Hardship programsCredit counselingDebt managementLegal options
Understand where to start ↗
HOW TO USE THESE GUIDES

Education for a clearer decision, not a promised outcome.

01

Verify creditors, balances, account status and payment obligations before comparing solutions.

02

Compare monthly payment with APR, fees, term, total repayment and possible credit consequences.

03

Independent providers control eligibility, program terms, fees and enrollment. Availability can vary by state and situation.

NOT SURE WHERE TO START?

Start with a clearer picture of your debt, then compare the paths that may fit.

Check my debt options