No sales pitch. No jargon. Real answers to the questions people Google at 2am about their debt.
Most programs finish in 2–4 years. Here's what actually determines your timeline — which creditors you have, how consistently you save, and what happens if someone sues.
Both sound similar. Both are marketed the same way. Here's the actual difference — and the math that decides which one fits your situation.
Debt ConsolidationDebt consolidation can save thousands — or cost you more long-term. The math that actually decides which, and when it makes sense to use it.