Get out of debt faster — free calculators and honest guides
See exactly how long your debt will take to pay off and how much extra payments save. Then use plain-English guides to pick the right strategy for you. Free, private, no sign-up.
Free debt payoff calculator
Free debt tools
Quick, private tools to help you see your numbers and choose a path. Nothing is saved or sent.
Debt guides, in plain English
No jargon, no sales pitch. Each guide explains the real trade-offs — including the downsides.
Debt payoff strategies
Snowball vs avalanche, and how to actually stick with a plan.
🧾Debt consolidation
When combining debts helps — and when it just moves the problem.
💳Credit card debt
A full guide to paying down high-interest card balances.
⚖️Settlement vs consolidation vs bankruptcy
The honest comparison, with the credit and tax consequences of each.
🔍Is debt settlement worth it?
What settlement really costs you — fees, credit damage, and the 1099-C tax bill.
💬Scripts to negotiate debt
Word-for-word scripts to talk to creditors and collectors yourself.
🌐Debt laws by state
Your state's statute of limitations, wage-garnishment rules, and protections.
Why trust GetDebtFree.tools
- We’re independent. We are not a lender, a debt-settlement company, or a credit-repair firm. We don’t take your case or process anything.
- We’re honest about the downsides. Debt settlement can wreck your credit and trigger a 1099-C tax bill. We say so plainly, even when an easier pitch would pay better.
- We cite our sources. Calculators use standard amortization math (see our methodology), and figures link to official sources.
- Your privacy comes first. The tools run in your browser. Nothing you type is stored or sent.