Solutions. Convenience. Results.

We help individuals of all backgrounds and financial situations get out of debt once and for all.

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Your Path to Financial Success Starts with DebtEaze

It begins with making the decision to start taking steps in the right direction. Whatever decisions you made in the past have led you to this point, now it is time to change. Progress is made when things are done differently. Step by step until moving in the right direction becomes natural, and no longer a struggle, and giving up is not an option.

When a clear path is paved and a beaming ray of light is just over the hill, faith must takeover, and the vision of a better you is not just your dream anymore, but achievable… and it’s just over the horizon.

Financial Wellness

DebtEaze offers personalized service to help individuals better understand and control their personal finances and credit.

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Debt Consolidation

Debt consolidation allows individuals with multiple debts to combine them into one larger loan, which they then pay off over time.

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Debt Settlement

Debt settlement is the process of negotiating with creditors to accept an amount that is less than the full balance owed on a debt.

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Your Path to Financial Success Starts with DebtEaze

Our primary goal here at DebtEaze is to help you determine the best path to your financial future. We provide guidance on debt relief and the steps you need to take to minimize and even completely eliminate your debt.

Credit cards and personal loans carry some of the highest interest rates among unsecured debt. Because of this, many individuals have a difficult time paying off their balance. Not only does this make it nearly impossible to pay the debt off in a reasonable amount of time, but throwing hundreds of dollars away each month with minimum payments is also not an effective long-term solution for getting out of debt.

Dealing with credit card companies can be confusing and intimidating, but DebtEaze is here to help. Our honesty and transparency allow you to trust our decisions and guidance. We will tell you that when it comes to debt, there are no shortcuts, and there is no overnight solution. Success is a long journey starting with the decision to make a change, setting a goal, and then taking action. DebtEaze promises to be there with you every step of the way, doing the work while protecting your financial wellbeing and stopping the “debt cycle”.

We stand behind our brand with a no-fee guarantee. Seriously. You will not be required to pay a single penny until your debt is paid. We require no upfront payments. Everything is included in one easy monthly draft.

  • Where is DebtEaze located?

    We are conveniently located in the middle of the country, in St. Louis, Missouri. However, you can usually find us right at our desks waiting to help you! Our central location allows us to easily cover all 4 time zones.

  • I completed my enrollment, where do I find my account status?

    You should have received an email with a login for your client portal. If not, give us a call at (888) 925-1994, and we will happily provide you with your account status, and make sure you get another copy of that memo.

  • How do I know if your programs are right for me?

    Everyone’s situation is unique, and our programs are tailor made suit to your specific needs and goals. Once we have a complete understanding of your financial situation, we will be able to provide feedback as to whether or not our services will be beneficial for you. Give us a call at (888) 925-1994 and we can discuss which option is best for you.

  • What are your operating hours?

    We are available by phone 10:00am to 6:00pm CST at calling (888) 925-1994 or email [email protected]. You may also text us anytime with account related questions (you are provided this number once you enroll).

  • What is DebtEaze's cancelation policy?

    We offer a 100% money back guarantee. Any funds put towards your program that have not already been applied to your debts or earned through services provided will be returned. Just give us a call, and we will process your request.

  • Do you assist with any type of debt?

    We have experience with just about every type of debt imaginable. Credit Cards, Student Loans, Medical Bills, Payday Loans, Installment Loans (OneMain Financial, Avant, SoFi, Prosper, etc.), Collections, Department Store Cards (Target, Best Buy, Kohl’s, Macy’s, JC Penny, etc.), Credit Union Accounts and even repossessions.

DebtEaze By the Numbers


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DebtEaze is a for-profit business that for a fee assists in compiling, preparing, and submitting paperwork for people seeking consolidation, restructuring and/or forgiveness of their federal student loans through the U.S. Department of Education’s (“DOE”) programs. DebtEaze is not affiliated with and has no special relationship with the DOE or any other academic or governmental entity. DOE program applications can only by approved by the DOE or its authorized representatives. This site and is not affiliated with or endorsed by the DOE, and the content or any information posted on this site is not endorsed by and does not reflect the views of the DOE. You can apply for loan consolidation or alternative repayment programs on your own without paid assistance through the DOE at DebtEaze is not a loan servicer and does not renegotiate, settle, or in any way alter the terms of any payment or debt.

Each of the DOE’s forgiveness programs has specific conditions and requirements that must be satisfied, and some borrowers may not qualify under any of these programs. Since some of these conditions and requirements depend on future events, DebtEaze cannot guarantee or even determine if you will qualify for forgiveness. Lowering monthly payments may require you to pay more interest over a longer period.

Question, comment, or concern?

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    Financial Wellness with DebtEaze

    DebtEaze is here to help you tackle your debt head-on. With expert counseling and a proven system, we’ll work with you one on one to find the best way to get back in control of your life and finances.

    With financial wellness, our primary objectives include:

  • Educating you on money management
  • Creating a strategy to manage your debt
  • Creating a plan to pay off your debt as quickly and inexpensively as possible
  • Explaining the various components that is your credit profile and how to remove negative items to help boost your scores
  • In other words, credit counseling aims to help you manage your debt repayment and avoid bankruptcy while providing debt relief assistance and educating you on money management.

    Debt Consolidation with DebtEaze

    Debt is a common problem for many Americans. It can be difficult to manage and keep track of all your payments, especially when you have more than one creditor. Luckily, there are solutions that can help make managing debt easier for you! This article will provide information on what debt consolidation is and how it can help you manage your debt more conveniently. Debt consolidation allows individuals with multiple debts to combine them into one larger loan, which they then pay off over time.

    Debt consolidation refers to the act of taking out a new loan to pay off other debts. Multiple debts are combined into a single, larger piece of debt, usually with a longer loan term due to the loan being higher risk as most of these loans are unsecured. This could mean you are paying a longer loan term and a higher interest rate.

    One of the main benefits of debt consolidation loans is the ability to get back on track with paying off debt by utilizing a single repayment schedule instead of multiple ones. When you have more than one creditor, it can become difficult to track when they expect their payment and how much they are demanding.

    Debt Settlement with DebtEaze

    Debt settlement is the process of negotiating with creditors to accept an amount that is less than the full balance owed on a debt. The settlement can be partial or complete, depending on how much you are able to pay off. When negotiating for lower payments, it's important not to default on your program because this could lead to losing settlement agreements with the creditor. All programs are tailor made to suit your specific budget and the debts you choose to enroll into the program.

    According to AFCC data:

    Debt settlement is by far the cheapest option compared to credit counseling or making minimum monthly payments, as the following numbers indicate:

  • 95% of debt settlement clients receive savings in excess of fees
  • Most consumers see initial account settlements within 4-6 months of enrollment
  • Debt settlement clients pay no fees until settlements
  • The primary benefit of debt settlement is the fact that you can negotiate your debt balance down to a lower amount and make one payment rather than many. If the creditor agrees, they will stop charging interest and reporting negative information to credit bureaus, which may allow for an improved score.

    Important Student Loan Disclosures:
    DebtEaze is a private company, and is not affiliated with the Department of Education or any other academic or governmental entity.   You can apply for loan consolidation, without paid assistance.   DebtEaze helps you to prepare and process the application for student loan consolidation and repayment programs offered by the Department of Education.   DebtEaze is not a loan servicer, and does not provide debt relief services, including renegotiating, settling, or in any way altering the terms of payment or debt.   All payments are held in an escrow account and are earned by DebtEaze once the work has been successfully completed.