Compare

Not sure whether settlement, consolidation, or bankruptcy fits your situation? Compare the real tradeoffs — cost, credit impact, and timeline — before you commit to one.

• 
  How Much Does Debt Settlement Cost?

  What debt settlement companies typically charge, how fees are structured, and the tax and credit-score costs that aren't in the fee schedule.

• 
  Chapter 7 vs. Chapter 13 Bankruptcy

  The real difference between Chapter 7 and Chapter 13 bankruptcy — eligibility, timeline, what you keep, and what it costs — compared side by side.

• 
  Debt Consolidation vs. Settlement vs. Bankruptcy

  The real tradeoffs between debt consolidation, debt settlement, and bankruptcy — what each costs, how long it takes, and what actually determines which fits your situation.

• 
  RAP vs. SAVE: What Actually Changes for Your Student Loan Payment

  SAVE is being phased out under a federal court settlement and RAP is the new plan for new borrowers starting July 1, 2026 — how the payment math differs, who's affected, and what your 90-day switch notice means.

• 
  Tax Refund Offset for IRS Debt vs. for a Defaulted Student Loan

  Both run through the same Treasury Offset Program, but the debt behind each one follows different rules, different resolution options, and — right now — a different collection-pause status.

• 
  Should You Refinance Your Student Loans Right Now, or Wait?

  Refinancing federal loans into a private loan is permanent and gives up every federal protection — a decision that now interacts with a newly taxable IDR forgiveness bomb and a rate environment that isn't reversing.