One lower monthly payment.
Roll high-interest credit cards and loans into a single, simpler payment. See your real consolidation options in 60 seconds — no credit pull required.
The Lighten Debt method
Three steps to one simpler payment.
Tell us your debt
Share how much you owe and your goals in 60 seconds. No credit pull, no obligation.
See your options
We match you with consolidation loans, settlement programs, or management plans that fit your profile.
Pay off faster
Roll multiple high-APR balances into one lower payment and finally see the finish line.
What to expect
A clear path out of debt.
We review your total balances, monthly payments, and goals — then connect you with vetted partners offering consolidation loans, debt settlement, or nonprofit management plans. You choose what fits.
Results may vary. Savings, monthly payment, and approval depend on creditworthiness, total debt, partner terms, and your selected program. Lighten Debt does not guarantee any specific savings, rate, or approval.
One form. One lower payment.
Free, no obligation, no credit pull. See what consolidation could look like for you.
See if you qualify for debt consolidationLighten Debt is not a lender. Loan terms, savings, and approval are determined by partner lenders and vary by individual. Minimum $10,000 in unsecured debt to qualify.