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Best Debt Options Calculator

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Expectations:

  1. Estimate qualification for personal unsecured loans, non-profit credit counseling, debt consolidation and other options
  2. 100% free and available in all 50 states
  3. Takes 2-5 minutes to complete
  4. No personal information such as phone or email is required unless you request additional assistance. To avoid adding, please select none of the above on the final page before submitting the calculator.

See What Others Say About Our 100% Free Service.

5.0/5.0 - 339 Reviews
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8 Minute Testimonial
$45,000 in Debt, Still Kept Her House
Jayme and Jerry Are Now Debt Free
This felt like a miracle
See How Shane Took Care of His Debt
Ascend Was a Godsend

Describe Your Situation:

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Which best describes the debt?
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Which of the following programs are you currently enrolled in?
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Do any of these situations apply to you? (Check all that apply)
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Is the majority of your unsecured debt high-interest credit cards?
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Do you need to use your savings to keep up with your payments?
Ex: At the end of the month, I consistently have less money in my savings account than I did at the beginning of the month.
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Estimated Credit Score:

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Marital and Filing Status:

What is your marital and filing status?
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Household Size:

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Location:

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Student Loan Debt:

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Approximate Debt Balances:

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Are you sure that you only have $0 in unsecured debt?
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Which of the following is the biggest reason you are considering debt relief?
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Would you estimate that your total unsecured debt (credit cards, loans, medical debt, other debt etc.) is over $10,000?
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You are considering debt relief on $121 in debt, which is under $7,000, and we would like to do a soft credit pull (which does not affect your credit) to confirm your debt amount. Would that be okay?
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Please provide an estimate if you are unsure.
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Examples include alimony or child support (if court-ordered). Please provide an estimate if you are unsure.
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Do you have an active freeze or lock on your credit with Equifax?
To use this feature, you will need to remove the freeze temporarily. More information: https://www.equifax.com/personal/credit-report-services/credit-freeze/
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To use this feature, you would need to remove the active freeze or lock with Equifax and then click "No" above.

What's Your Legal Name?

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What's Your Address?

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Have you moved in the past year and/or have a previous address?
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United States (US)
Update Address
United States (US)
Google

What's Your Previous Address?

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When's Your Birthday?

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What Are The Last 4 Digits of Your Social Security Number?

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Income:

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Annual Income:

Accurate Income is Important

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Is your household annual income approximately $0
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Would you like to update your income or move forward with the income provided?
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Please click the back button below to update your income.

Living Expenses:

What is your current living situation?
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Automobile Expenses:

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Automobile 1

Did you purchase this vehicle before February 17, 2024?
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Is this vehicle titled in your name?
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Do you want to keep this asset?
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Automobile 2

Did you purchase this vehicle before February 17, 2024?
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Is this vehicle titled in your name?
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Do you want to keep this asset?
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Other Expenses:

Did you receive a refund in your most recent tax filing?
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Do you know approximately how much tax debt you owe?
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Child Support or Alimony:

Do you owe any domestic support obligations such as child support or alimony in arrears?
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Compare Options:

Which of the following options would you like to compare estimates, and pros and cons of? Check all that apply
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You did not want to compare bankruptcy to your other options. What is your perspective on bankruptcy?
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Almost There!

Which of the following do you prefer?
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Would it be okay if we also sent you an email with your results and how to edit them in the future if you are not ready to take any actions?
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Note: Ascend may receive a referral fee if you choose a free consultation. Our partners conduct free, no-hassle evaluations to learn about your options. You can complete it over the phone in as little as 10 minutes. The attorney fees are affordable, and often a flat fee. All initial consultations are 100% free of charge, and all lawyers are licensed in your state. By selecting a partner above to reach out to you, you agree that a partner may contact you (including autodials, pre-recorded calls, and SMS) to answer your questions about relief.

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By submitting, you agree to Ascend's Privacy Policy and Terms of Use.
By providing your phone number and submitting your information, you agree to receive SMS messages from Ascend Finance and its partners regarding your inquiry and available options. Message frequency may vary. Standard message and data rates may apply. Reply STOP to opt out. Reply HELP for help. Consent is not a condition of purchase. Your mobile information will not be sold or shared with third parties for marketing or promotional purposes. View our Privacy Policy here and Terms of Use here.
Disclaimer: Ascend strives to keep its information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty, and estimated APR and other terms are not binding in any way. All loans presented on this page have a maximum APR of no greater than 35.99% with terms not less than 12 months to not more than 60 months. As an example, a $10,000 loan with an APR of 14.50% and a term of 36 months would cost $12,391.55 over the life of the loan. All rates are determined by the lender and must be agreed upon between the borrower and the borrower's chosen lender. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, and credit history. All loans are subject to credit review and approval. When evaluating offers, please review the lender and/or lending partner's Terms and Conditions for additional details.