Tackle your debt
Pay off what you owe faster with proven strategies and weekly motivation.
Get practical, doable steps to understand what you owe and start chipping away at it.
Debt Management
You're not alone in debt. Let's build your plan.
Find debt support
Get connected with support based on what kind of debt you're managing.
Support matched to you
Overwhelmed by credit cards? Struggling with student loans? Facing medical debt? We connect you with support based on your situation
Create a debt plan
Learn how to pay off credit cards and other high interest debt
See what to pay off first
Use the Joy of Money Debt Calculator to figure out EXACTLY how much debt you have, and what it's costing you.
Why trust us?
Why trust us? We're a nonprofit—we work for you, not profit margins, and we protect your privacy.
Explore all 6 debt resources
Manage your debt with GreenPath
Let GreenPath help you consolidate credit card debt and negotiate rates
Cut past-due debt up to 50%
WorkMoney members save an additional 25% when reducing debt through Relief.
The Joy of Money Debt Calculator
Let’s make your debt a little easier to understand. The first step to kicking it is calculating it.
Find student loan savings
Navigate student loan forgiveness and save $187/mo on average with Savi
Wipe out your hospital bills—for free
See if you qualify for full or partial hospital bill forgiveness with DollarFor
Search and claim unclaimed money
Recover funds with MissingMoney - average payouts of $2,000
Expert tips and strategies
Practical advice to build financial confidence
