Debt consolidation: winding loose balances onto one spool
Three routes out of scattered debt, set side by side: a single consolidation loan, a settlement program, or credit counseling. See which fits the balances you carry.
- Free, always
- No obligation
- Not a lender or an insurer
Top pick: National Debt Relief. Free consultation, zero up-front fees, and debt free in as little as 24 to 48 months.
HomeDebt consolidation
Partners for debt consolidation
Every partner listed here has its own page with its own terms. Read them there before you apply for anything.
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Advertisement. FundInHand is a free comparison and referral service and a marketing affiliate. We do not lend or settle debts, and we may be paid when you request a consultation through a link on this page. National Debt Relief: clients who are able to stay with the program and get all their debt settled realize approximate savings of 45% before fees, or 20% including fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment and not all clients complete the program. National Debt Relief does not assume consumer debt, make monthly payments to creditors, or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Participation may adversely affect your credit rating or score. National Debt Relief LLC, NMLS ID 1250950. JG Wentworth: this is a debt resolution program provided by JGW Debt Settlement, LLC. Programs are between 24 and 60 months in length and program length varies by individual situation. Average graduated clients realize approximate savings of 44% before the program fee and 21% after the program fee. Not all debts are eligible and not every client completes the program. Debt settlement can affect your credit. Read the program terms before you enrol.
How the request travels
One form, one network, and you keep the last word.
Write it once
Type it once on a secure form. It takes minutes, with no printing, no branch and no phone call.
We pass it on
Partners in our network see your request, and any that can help come back with an offer for you to read.
The decision is yours
Read the full terms whenever it suits you. You never have to accept anything.
Three things people ask first
Short answers to what comes up on every category page.
1Does FundInHand lend or sell insurance?
Neither. FundInHand is a free comparison and referral service. Your request reaches the partners in our network, and each sets its own prices, fees and terms.
2Does FundInHand charge for this?
No fee, ever. Our partners pay us, and sending a request does not commit you to anything.
3What happens to my personal information?
It is protected with standard industry security and kept encrypted in transit and in storage. See the privacy policy for the full list of what is collected and who gets it.
Looking for debt help? Write one request.
Minutes on one form, a soft inquiry first, and you are free to turn down anything that comes back.
Fill in my request