AI optimizes your payoff strategy, negotiates with creditors, builds your credit plan, and finds money you didn't know you had. Average user saves $3,200 in interest.
Start crushing debtFree: basic tracker · Pro $9.99/mo · Premium $19.99/mo
AI compares avalanche, snowball, and hybrid — shows exactly how much interest you save and when you'll be debt-free.
AI generates letters to reduce interest rates, request hardship plans, settle for less, or delete negative marks.
Personalized plan to reach your target credit score. Step-by-step actions with expected score improvement.