Debt ResetFree debt check
What card debt really costs
$69,766
That's what $25,000 in credit-card debt really costs if you only pay the minimum. About 32 years to clear it.
A consolidation loan can help. For a lot of veterans, a debt-relief program costs even less. The free debt check shows which one fits.
Example: $25,000 at 22% APR, paying interest plus 1% of the balance each month. This is just an illustration, and your own numbers will be different.
How much debt are you dealing with?
Checking is free and takes about two minutes.
Three ways out of the same $25,000
Same balance. Three very different totals.
Keep paying minimums
~$69,766
~$708 / mo · ~32.5 years
The cost of doing nothing.
One consolidation loan
~$37,683
~$628 / mo · 5 years
Example: a fixed loan at 17.5% APR. Terms vary by credit.
A debt-relief program
~$17,900
~$427 / mo · ~2 – 4 years
Via a debt-relief partner. Often the lowest total cost; results vary and not everyone qualifies.
See which path costs the least. Free debt check.
How a debt-relief program works
It's four steps, and you stay in control the whole way.
Start with a free debt check
Share your balances and budget. No obligation, and checking won't affect your credit score.
Make one monthly deposit you can afford
It goes into a dedicated account that stays in your name, under your control.
A debt-relief partner negotiates eligible balances
They work to resolve what you owe for less than the full amount, on your behalf.
You approve every settlement
Program fees come only after a debt is resolved, never upfront.
Waiting has a price
~$458
interest in your first month alone
~$15
added every day
$0
for your free debt check
FAQs
˅Is a debt-relief program the same as a loan?
No. A loan adds new borrowing on top of what you owe. A debt-relief program works to resolve the balances you already have for less than the full amount. Veterans Debt Reset connects you with a debt-relief partner; it doesn't lend money or settle debt itself.
˅Is this a VA program or a government benefit?
No. Veterans Debt Reset is a private marketing and matching service. It isn't affiliated with the U.S. Department of Veterans Affairs, the Department of Defense, or any government agency, and it isn't a VA benefit. We connect veterans with third-party debt-relief and lending partners.
˅Will this affect my credit score?
Checking your options won't affect your credit score. Enrolling in a debt-relief program may mean pausing payments to creditors, which can lower your credit during the program. Many people see it recover as balances are resolved.
˅Does everyone qualify?
No. Eligibility depends on your total unsecured debt, your state of residence, and other factors. Programs aren't available in every state. The free debt check shows whether one makes sense for your situation.
˅Is the debt check really free?
Yes. Checking is free and there are no upfront fees. Reputable debt-relief partners are paid only after they resolve a debt for you.