When debt feels like too much, the first offers you see online are often the most expensive. These are places to start that are free or low cost, and the red flags that mean walk away.
Budget review and, if it fits, a debt management plan that may lower card interest rates.
Look for agencies affiliated with the National Foundation for Credit Counseling (NFCC). Ask about every fee in writing.
Read the guidePlain-English guides, sample letters to debt collectors, and a way to submit complaints about financial companies.
Free. Find it at consumerfinance.gov.
Read the guideYour loans, servicer and repayment options, including income-driven plans.
Free at StudentAid.gov and through your servicer. Never pay a company to apply.
Read the guideEvery account in your name, to build your debt list and spot errors or fraud.
Free at AnnualCreditReport.com, the official site.
Read the guideFree legal help for people with lower incomes, including if you're sued over a debt.
Search for your state's legal aid organization or call 211.
Read the guideLocal help with rent, utilities, food and other bills, which can free up money for debts.
Call or text 211, or visit 211.org.
Read the guideHardship programs, lower rates, fee waivers and payment plans.
Call the number on your statement and ask. Get any agreement in writing.
Read the guideIf you see any of these, stop and check with a nonprofit credit counselor first. You can report scams to the FTC at ReportFraud.ftc.gov and to your state attorney general.