Getting out of debt starts with a smarter plan

Debt Free Genius helps you understand the relief options that fit your situation, then connects you with a vetted specialist who can walk you through them. It takes about 60 seconds to see where you stand.

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Free to use 60-second questionnaire No obligation

How It Works

Four steps from stressed to sorted

Everyone's debt looks a little different, so the first step is understanding yours. From there, the path is straightforward.

Answer a few questions

Tell us about your debt and your situation. It takes about 60 seconds and costs nothing.

See your options

Based on your answers, we identify which relief approaches may fit your circumstances.

Talk to a specialist

We connect you with a vetted debt relief specialist who reviews your options with you, free of charge.

Choose your path

If a program makes sense for you, you decide whether to move forward. No pressure either way.

What We Help With

Most types of unsecured debt qualify

If you're carrying $10,000 or more of debt like the kinds below, relief options may be available to you.

✓Credit card debt

✓Personal loans

✓Medical bills

✓Collections accounts

✓Store card balances

✓Payday loans

✓Business debt

✓Other unsecured debt

Know Your Options

There's more than one way out of debt

No single approach is right for everyone. These are the three most common paths, and the questionnaire helps identify which ones may fit your situation.

Debt settlement

A provider negotiates with your creditors to resolve enrolled debts for less than the full balance owed.

Typically for larger unsecured debt loads
One monthly program deposit instead of many bills
Can affect your credit while enrolled

Debt consolidation

Multiple debts are combined into a single loan or payment plan, ideally at a lower overall interest rate.

One payment, one due date
Works best with qualifying credit
Doesn't reduce the amount you owe

Credit counseling

A counselor helps you build a budget and may set up a debt management plan with your creditors.

Structured repayment over time
May reduce interest rates or fees
Often through nonprofit agencies

Why Debt Free Genius

Built to make this easier, not harder

Debt is stressful enough. The process of finding help shouldn't add to it.

Free for you, always

Checking your options through Debt Free Genius costs nothing. We're compensated by the providers we work with, not by you.

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Vetted specialists only

We connect you with established debt relief providers, so you're not left sorting through ads and cold calls on your own.

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Your information stays protected

What you share is used to match you with the right help. See our privacy policy for exactly how your information is handled.

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No pressure, ever

Seeing your options doesn't commit you to anything. If nothing fits, you walk away having lost 60 seconds, not money.

FAQ

Frequently asked questions

What is Debt Free Genius?

Debt Free Genius is a free service that helps people carrying significant debt understand their relief options and connects them with vetted debt relief specialists. We are not a lender, debt settlement company, or law firm — we're the starting point that matches you with the right kind of help. We may receive compensation from the providers we connect you with, which is how we keep the service free for you.

How much does this cost?

Nothing. The questionnaire, the matching, and the consultation with a specialist are all free. If you choose to enroll in a program with a provider, that provider will explain their fees clearly before you commit to anything.

Will checking my options hurt my credit?

Completing our questionnaire does not involve a credit check. If you later enroll in a specific program, the provider will explain any credit implications of that program before you enroll — some approaches, like debt settlement, can negatively affect your credit while you're enrolled.

How much debt do I need to qualify?

Most relief programs are designed for people carrying $10,000 or more in unsecured debt, such as credit cards, personal loans, medical bills, and collections. If you have less than that, some options like credit counseling may still be worth exploring.

What happens after I fill out the questionnaire?

If your situation matches an available program, a debt relief specialist will reach out to walk through your options. The conversation is free, and you're never obligated to enroll in anything.

Is my information safe?

We take your privacy seriously. The information you provide is used to match you with debt relief providers and is handled as described in our Privacy Policy. We don't sell your information to unrelated third parties.

Ready to see where you stand?

60 seconds, no cost, and no obligation. The smartest move is simply knowing your options.

Apply Now