Consolidation options are now available for individuals, families, and businesses dealing with unmanageable bills.
Things have gotten to the point where there's no way out without assistance. Many people never imagined they'd find themselves in this situation.
Going from responsibly paying bills on time and having plenty in savings, to struggling to get by each month -- they're feeling like there's no way to make it through this.
Last month alone, we heard from more than more than 2,600 Nebraska residents. Many were scared and not sure who to trust. Most didn't know about the programs they qualified for.
Hardship consolidation programs help people restore finances without filing bankruptcy. It's important to understand how the programs work and how to qualify.
See consolidation options for Nebraska residents.
We are not a lender, creditor or debt collector. Referral arrangements with affiliates or partners may make it possible for you to apply for a loan. Annual Percentage Rates range from 5.90% to 35.99% with loan terms from 12 to 84 months. Eligibility for a loan via affiliates or partners is based in part on the specific loan amount that you request. The term and APR will depend on the requested loan amount, your creditworthiness, income, debt payment obligations, credit history and other factors. There is no guarantee that you will be qualified for a loan through our affiliates or partners. Loan options may not be available in all states.
A typical personal loan example has a loan amount of $17,000, a 5% origination fee, a 53-month repayment term, and an interest rate of 17.00%. You would receive $16,150 ($17,000 less the $850 origination fee – a prepaid finance charge) and the monthly payment would be $458.48 equating to an APR of 19.63%. The total interest would be $7,299.44 and the total cost of the loan (interest plus origination fee of $850) would be $8,149.44. The total of payments would be $24,299.44.
It is recommended that consumers consult with a qualified financial advisor before taking on a consolidation loan.
This site is a free educational and motivational resource to help people understand consolidation options. The site provides free do-it-yourself (DIY) resources, articles, and videos. The information on this site is not provided by any state organization but as a convenience to state residents with links to state and federal hardship assistance for informational purposes only. We do not discriminate on the basis of race, color, religion, sex, marital status, national origin or ancestry.
Testimonials are the individuals' expressed opinion and may not be reflective of all experiences with the company.
We are based in California and therefore may be subject to the California Consumer Privacy Act of 2018 even with respect to persons who visit our website(s) from other locations. In that context, you may be entitled under that Act (the "CCPA") to request the following as and to the extent they apply to us:
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To exercise any of the rights under the CCPA described above, please use the links below. Alternatively, you may send an email message to us at [email protected] stating that you want to exercise your rights under the CCPA. To protect you against misuse of your email and/or phone number, we will ask you to provide additional information verifying that the person making the request really is you or is an authorized agent of you before implementing your request under the CCPA.