See the end of your credit card debt from here.
Freeline helps you trade a stack of minimum payments for one predictable monthly deposit and a plan with a finish line — usually 24 to 48 months, not decades.
Rated 4.8/5 from 3,900+ client reviews
Sound familiar?
You're not bad with money. Minimum payments are designed to keep you paying for a very long time.
You pay every month, but balances barely move
On a $25,000 balance at 24% APR, most of a minimum payment goes straight to interest.
Due dates run your life
Five cards, five due dates, five different interest rates. One slip and fees pile on.
You want a real finish line
A plan with an end date and a single monthly deposit you can budget around.
Minimum payments vs. a plan with an end date
Slide to your numbers. This quick version updates instantly; the full calculator adds program length and a payoff chart.
Your debt
Unsecured debt only — credit cards, personal loans, medical bills.
Minimum payments
- Time to debt-free
- —
- Total paid
- —
Freeline program
- Program length
- —
- Est. total cost incl. fees
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Illustrative only. Assumes minimum payments of 1% of balance plus interest (at least $25) with no new charges, and a program outcome of 50% of enrolled debt plus a 22% fee. Actual settlements, fees, timelines and credit impact vary. Not an offer.
Open the full calculatorHow the program works
Free debt review
A specialist looks at your debts, income and goals, and explains every option — including ones we don't offer.
One monthly deposit
You stop juggling bills and make one deposit into an FDIC-insured account that you own and control.
We negotiate
As funds build, our negotiators work with creditors to settle accounts for less than the full balance.
You approve each deal
Nothing settles without your OK. Our fee is charged only after a debt is resolved.
Real people answer the phone. Every time.
You get a dedicated client advocate from day one — the same person, with a direct line, for the whole program.
- Online dashboard showing every deposit and settlement
- Text and email updates when a creditor responds
- Budget coaching to keep new debt from creeping back
- Spanish-speaking advocates available
Clients who found their way out
“I was paying $900 a month in minimums and getting nowhere. Having one deposit and an end date changed how I feel every single day.”
“They were upfront that my credit would take a hit first. It did, and it's already climbing back. Totally worth it for us.”
“My advocate Dana texts me every time something settles. I've approved four settlements so far and I know exactly where I stand.”
Individual results vary. Testimonials are demo content and do not represent typical results.
Questions we hear first
It can, especially at the start. Settlement usually means accounts fall behind before they're resolved. Many clients see their scores recover after the program as balances drop, but every situation is different. We'll walk you through the trade-offs honestly.
Unsecured debts like credit cards, personal loans, medical bills and some private student loans. Mortgages, auto loans, federal student loans and tax debt generally don't qualify.
No. Our fee is charged only after a debt has been settled and you've approved the settlement and made at least one payment toward it.
Then we'll say so. For some people a consolidation loan, a nonprofit credit-counseling plan or simply a better payoff strategy makes more sense, and we'll point you there.
It can be. The IRS may treat forgiven amounts as income. We recommend speaking with a tax professional about your situation.
One phone call. A clear picture of your options.
Free, no-obligation debt review with a certified debt specialist. Checking your options won't affect your credit score.