Real options for real people in Michigan
Michigan Debt Payoff Options
Review debt payoff options available to Michigan residents and request a free evaluation.
Explore Your OptionsHow Michigan Debt Payoff Works
Free Evaluation
Tell us about your situation. No judgment, no obligation. Takes about 5 minutes.
Review Your Options
See what programs and partners are available based on your debt, income, and goals.
Get Matched
Get connected with a vetted debt payoff partner matched to your situation. Your consultation is free and no-obligation.
Compare Your Debt Payoff Options
Credit Counseling
A certified counselor helps you build a budget and repayment plan to manage your debt over time.
- Low cost ($25-$75/month)
- No credit requirements
- Good first step if you need structure
- Does not reduce what you owe
- Success depends on sticking to the budget
- Not a structured program — it's guidance only
People with under $10K in debt who need help creating a realistic plan they can stick to.
Debt Consolidation
A professional team works with your creditors to reduce what you owe — typically by 40% or more — and replaces multiple payments with one.
- Reduce what you owe by 40% or more
- One monthly payment instead of many
- Get out of debt faster — credit can recover sooner
- Temporary credit dip at the start, then recovery
- Works best with steady income
- Not ideal for debts under $15K
People with $20K+ in credit card debt who are tired of watching minimum payments go nowhere — especially homeowners.
Personal Loan
Combine multiple debts into one loan with a single monthly payment, potentially at a lower interest rate.
- One predictable monthly payment
- May lower your overall interest rate
- Simpler than juggling multiple bills
- You still pay back the full amount
- No reduction in what you owe
- The debt keeps growing with interest
People with $10K-$15K in debt who want simpler payments and can handle paying the full balance over time.
Reviews From Our Partner Network
Real reviews from clients of our vetted debt consolidation partners.
The individuals that I spoke with were amazing helpful thoughtful and very kind. Unfortunate circumstances got us where we are and rather than judging they empathized and let me know I was going to be able to finally climb out of this situation.
David Chang was very kind and helpful in the process for not only my husband but myself too.
Very helpful, from filing to downloading documents. Gave special instructions for interaction with creditors, and basically took all the worry off my shoulders.
These reviews are from clients of our partner companies and were sourced from public review platforms. Individual results vary. We are a matching service, not a debt consolidation provider.
What You Should Know
- We are not a government agency and do not provide government grants.
- Results vary by individual financial situation and creditor policies.
- Debt consolidation programs may affect your credit score.
- No service can guarantee specific outcomes or timelines.