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Looking back, my biggest regret wasn't just the $36,000+ in credit card debt. It was getting a consolidation loan before I checked whether I qualified for Debt Relief. I thought another loan would solve the problem. Instead, it just gave me another payment to worry about. What I didn't know was that people with more than $20,000 in credit card debt can apply for a special program designed to reduce monthly costs immediately. Instead of juggling multiple credit card payments every month, qualified consumers make one program payment while working toward resolving their enrolled debt for less than the total amount owed. If you have a regular source of income and more than $20,000 in credit card debt, this program is still accepting applications in 2026. Tap "Apply Now" below and answer a few quick questions to check your eligibility. It takes less than 2 minutes to see if you qualify.