Debt & Payoff

Get out with math on your side.

Credit cards, personal loans, student loans, medical debt — how to shrink them fastest without falling for consolidation scams.

Guides in this topic

• Debt avalanche vs. snowball: which one is right for you? — Avalanche saves more money. Snowball keeps more people motivated. Both work. (5 min read)
• How to pay off credit card debt without a consolidation trap — Balance transfers, personal loans, and the pitches you should walk away from. (6 min read)
• Student loan repayment plans, without the jargon — Standard, income-driven, PSLF — which plan makes sense depends on your income and career. (6 min read)
• Medical debt: negotiate before you pay — Hospital bills are opening offers. Most people can cut them 20–50% by asking. (5 min read)

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