That balance isn't stubborn. It's just built to move slowly.
Clear Debt Network puts you in direct contact with your own personal loan lender's resolution team — no added specialist, no middleman — so you can see whether a lower payoff is actually on the table. Most people get a real answer in about two minutes.
Nothing to sign
Here's the part your statement doesn't spell out.
A lot of personal loans — especially the ones approved when credit wasn't at its strongest — carry rates of 20% or higher. At that rate, roughly 68% of every early payment is absorbed by interest before any of it touches your actual balance. That's the quiet reason the number holds steady for months, even when you never miss a due date.
There's a more direct route: instead of grinding through the full term at that rate — where only about 32% of an early payment actually reduces what you owe — you work out a lower payoff directly with your lender, whether that's a lump sum or a shorter, structured plan.
From the first message to a real answer.
Three steps, nothing to sign up front, and no pressure once you see the numbers.
Tell us what's going on
A short set of questions about your loan — the lender, what's left on the balance, how payments have been going. Nothing to upload yet.
We connect you, not a network
You're routed straight to your own lender's resolution team — no specialist layered in, no list of your details sold on to other companies.
Get real numbers to decide on
Talk it through directly with your lender, see what's actually available, and decide for yourself. No obligation either way.
- Free to check your options
- Your lender explains everything — no middleman
- You're the one who decides what happens next
What it's actually like to work with us.
One line to your lender. Nobody standing in between.
Free to get connected
There's no charge to be connected through Clear Debt Network, no matter which lender picks up.
Your information stays yours
Encrypted in transit and shared only with the lender we connect you to — never passed along to outside call centers.
One conversation, not a dozen calls
You talk to your lender's own team directly, instead of your number circulating around a network.
Makes the most sense on larger balances
This route tends to matter most once a balance has grown large enough to be worth the conversation — your lender can tell you where that line sits.
Looking costs you nothing.
Seeing what your lender can actually offer is free, and you're not on the hook once you do. The first look runs on a soft pull, so your score stays untouched.
This is probably worth ten minutes if —
You don't need perfect credit or a spreadsheet already built — just a willingness to look at where things actually stand.
This isn't the right move for everyone — that's exactly why we connect instead of push. If it's not a fit, your lender will tell you why.
What people say once the numbers are actually in front of them
A few people we've connected straight to their own lender.
I had three different numbers calling me every week. Now there's one, and I actually understand what's happening month to month.
Seeing the real numbers before I agreed to anything took most of the stress out of deciding.
I put this off for almost a year out of embarrassment. The first call was just questions — no pitch — and that's what actually got me to move.
Questions people usually ask first
Getting connected and reviewing your options runs on a soft inquiry, if there's an inquiry at all — it typically won't affect your score. If you decide to move forward, ask your lender exactly how their process shows up before you sign anything.
No. We're a connection service — not a lender, not a settlement company. We put you in direct contact with your own personal loan lender; we don't lend money or negotiate on your behalf.
Nothing, to connect through Clear Debt Network. Anything that changes about your loan is worked out directly between you and your lender, and any fees are explained by your lender before you agree to anything.
It depends on your balance, your lender, and what you can realistically put toward it each month. Your lender can lay out a timeline that matches your actual situation.
Most lenders we work with handle unsecured personal loans — bank, credit union, online installment, and no-credit-check loans. Secured debt, like a mortgage or an auto loan, usually doesn't qualify.
It's encrypted in transit and shared only with the lender we connect you to — never sold to outside call centers or unrelated third parties.
See what paying this off could actually look like.
It takes a few minutes, costs nothing, and doesn't commit you to anything. Worst case, you know more than you did five minutes ago.
See my optionsSee what relief could look like.
Share a few details below and your lender's own resolution team will review your request directly — no added specialist, no middleman. Approval, terms, and next steps are decided solely by your lender.
By checking the consent box and clicking “Continue” / “Submit”, you agree to our Terms & Conditions and Privacy Policy, provide your electronic signature under the E-SIGN Act, and grant prior express written consent under the Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227) authorizing Clear Debt Network and its Marketing Partners (including Alleviate Financial Solutions, Monevo, Americor, Tri-Point Lending, Trusta Financial, Reset Lending, and Liberty First Lending LLC) to contact you by call or text (including via ATDS, artificial/prerecorded or AI voice, or ringless voicemail) even if on a Do-Not-Call list. Consent is not a condition of purchase or credit. Additionally, by clicking on the “Continue” button above, I am providing express written consent under the Fair Credit Reporting Act for Clear Debt Network, its partners (including Monevo and Alleviate Financial Solutions), to obtain my consumer credit report from my credit profile or other information from a Credit Bureau(s) in order to provide me with personal loan and debt consolidation options without affecting my credit score.
Important Lending, Financial Services, Fair Credit Reporting Act (FCRA), E-SIGN & Telephone Consumer Protection Act (TCPA) Disclosures
Lead Generator & Service Disclosure: Clear Debt Network is a marketing lead generator and referral network and is not a lender, law firm, CPA firm, or government agency, does not make credit or lending decisions, and cannot guarantee approval, loan amount, settlement outcome, rates, or terms. We connect applicants with participating Financial Services Companies and Direct Buyers / Resolution Desks and may share your application information with them; we may be compensated by participating partners for this service. We do not charge an application fee. Programs and loans are not available in all states, and amounts, rates, and terms vary by state and provider.
Fair Credit Reporting Act (FCRA) Written Consent: Additionally, by clicking on the “Continue” button above, I am providing express written consent under the Fair Credit Reporting Act for Clear Debt Network, its partners (including Monevo and Alleviate Financial Solutions), to obtain my consumer credit report from my credit profile or other information from a Credit Bureau(s) in order to provide me with personal loan and debt consolidation options without affecting my credit score.
TCPA Prior Express Written Consent (47 U.S.C. § 227) & E-SIGN Disclosure: By checking the consent box and submitting a request on this website, you provide your electronic signature under the E-SIGN Act and grant prior express written consent under the Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227) authorizing Clear Debt Network and its designated Marketing Partners (including Alleviate Financial Solutions, Monevo, Americor, Tri-Point Lending, Trusta Financial, Reset Lending, Liberty First Lending LLC, and participating Financial Services Companies and Direct Buyers / Resolution Desks) to contact you at the telephone number (including wireless/mobile numbers) and email address provided via recurring marketing, promotional, and informational calls and SMS/MMS text messages using an automated telephone dialing system (ATDS), artificial or prerecorded voice, AI-generated voice, or ringless voicemail, even if your telephone number is currently listed on any Federal, State, or corporate Do-Not-Call (DNC) registry. Consent is strictly voluntary and is not a condition of purchasing any goods or services or obtaining credit or financing. Message and data rates may apply; message frequency varies. Reply STOP at any time to opt out of text messages or HELP for assistance.
View Full Directory of Designated Marketing Partners, Direct Buyers (105) & Participating Financial Services Companies (170)
Credit Profile & Loan Marketplace Partners: Monevo, Alleviate Financial Solutions.
Direct Buyers & Lending / Resolution Desks: Americor (Americor Funding LLC / Americor Holdings LLC), Tri-Point Lending (Tripoint Lending), Trusta Financial, Reset Lending, Liberty First Lending LLC, Lift Lending, LendingPoint LLC, AmOne (QuinStreet Inc.), Acorn Finance LLC, Element Financial (Element Tree), Summit Debt Group (Summit DG), Clarity Debt Resolution Inc., Consumer First Debt Resolution LLC, KeyShot Funding, United Holding Group (UHGP), Monument Debt Relief Partners LLC, Fidelity National Debt Relief Group LLC, 1West Finance (1West), Credibly (Retail Capital LLC), Fora Financial LLC, RoundSky Inc. (RoundSky), Lendio Inc., Credible Labs Inc., Payless Now, AVTax Legal Group, TaxTiger Resolution Services Inc., Timberline Tax Group LLC, Direct Business Funding Desk (MCA DFN / Direct Funding Now), Mulligan Funding LLC, Forward Financing LLC, Clear Debt Financial, Symple Lending LLC, NerdWallet Compare Inc., Even Financial Inc. (MoneyLion Enterprise), Alleviate Financial Solutions, Springview Financial, AmeriPro Debt Settlement Desk LLC, Veritas Financial Resolution Group Inc., My Debt Solution (MDS), Amerigard Financial, Sterling Ridge Debt Advocates LLC, Liberty Bell Debt Resolution Partners, Venture Media, MX United, LeadPoint Inc. (LoanBright), LendingArch US Inc., AG Debt Relief, TurboDebt LLC, Atlas Consumer Debt Relief LLC, Beacon Financial Resolution Desk Inc., Alliance Tax Defense, Omni Tax Resolution (OMN), Alleviate Tax LLC, Solvable Inc. (Tax & Debt Marketplace), CuraDebt Tax Resolution Desk, Ovation Tax Group, Logiqs, Wall & Associates Tax Resolution Inc., 20/20 Tax Resolution Inc., Alliance Funding Group (AFG), Libertas Funding LLC, BHG Financial (Bankers Healthcare Group LLC), Mulholland Investment Group (Select Funding), Expansion Capital Group LLC, Channel Partners Capital LLC, National Funding (QuickBridge), Kapitus LLC, Balboa Capital Corporation, TimePayment Corp., David Allen Capital Inc., ROK Financial LLC, National Business Capital LLC, ARF Financial LLC, Momen Legal Services, P.C. (MLS), Consumer Legal Group (CLG), Centennial Debt Relief Partners LLC, Heritage Consumer Resolution Group LLC, Covenant Debt Relief Solutions Inc., Lexington Consumer Debt Desk LLC, Cornerstone Financial Advocates Inc., United Settlement Network LLC, Go Ads LLC, Paraclete Law, P.C., Flat Fee Tax Service Inc., Tax Law Advocates LLC, Morgan Financial & Tax Law Group PLLC, National Legal Intake Network LLC, Monevo, Engine by MoneyLion (Fiona), Spring Financial Group LLC, LendingUSA LLC, Pagaya Technologies US LLC, LendingTree, SuperMoney LLC, Bills.com (Freedom Financial Network LLC), FinTech Marketplace Partners LLC, First Premier Lending Solutions LLC, LoanDepot Personal Lending Desk, Universal Loan Network LLC, CrossRiver Marketplace Desk, Pathward Consumer Credit Desk, SmartCredit, Oasis Financial, Walker Advertising (Los Defensores), 4LegalLeads.
Participating Financial Services Companies: Freedom Debt Relief LLC, National Debt Relief LLC, Accredited Debt Relief LLC, GreenPath Financial Wellness Inc., Money Management International Inc. (MMI), Pacific Debt Relief Inc., CuraDebt Systems LLC, Consolidated Credit Solutions Inc., InCharge Debt Solutions, Take Charge America Inc., New Era Debt Solutions Inc., ClearOne Advantage LLC, Century Support Services LLC, Cambridge Credit Counseling Corp., American Consumer Credit Counseling Inc. (ACCC), Beyond Finance LLC, JG Wentworth Debt Relief LLC, Oak View Law Group APC, Navicore Solutions, Apprisen Financial Advocates, Premier Debt Help LLC, Guardian Debt Relief LLC, DebtBlue LLC, Credit9 Lending & Settlement Support LLC, FDR Financial Services Group LLC, Timberline Financial LLC, Alleviate Financial Solutions, Landmark Debt Relief Corp., CountryWide Debt Relief LLC, Foothill Debt Resolution Advisors LLC, Bayside Consumer Debt Relief Corp., Harborstone Debt Settlement LLC, BlueHarbor Debt Solutions LLC, Bridgewater Financial Relief LLC, Stonebridge Debt Settlement Partners LLC, Ironwood Financial Relief Services Inc., ClearPath Credit & Debt Relief Corp., Pinnacle Debt Resolution Group LLC, Sovereign Debt Advocates Inc., Rescue One Financial LLC, Cypress Creek Debt Resolution Group LLC, Cornerstone Debt Settlement Partners LLC, Redwood Debt Relief Advisors Inc., SilverCreek Debt Resolution LLC, Meridian Point Debt Relief Solutions, First Harbor Debt Settlement Services LLC, Summit Peak Debt Relief Advisors, Avalon Coast Debt Resolution Partners, Granite State Debt Relief Solutions LLC, Highland Park Debt Settlement Group LLC, Anchor Point Debt Relief Services Inc., Patriot Ridge Debt Resolution Group, Trident National Debt Relief LLC, Upgrade Inc., Upstart Network Inc., Avant LLC, PenFed Personal Lending Services, Discover Personal Loans (DFS Services LLC), Prosper Funding LLC, Achieve Personal Loans (Freedom Financial Asset Management LLC), LendingClub Bank N.A., First Tech Personal Lending Services, Laurel Road Consumer Lending (KeyBank Division), Best Egg (Marlette Funding LLC), OneMain Financial Group LLC, SoFi Lending Corp., Figure Lending LLC, Earnest Operations LLC, BHG Money Consumer Lending, LightStream (Truist Bank Division), Happy Money Inc., Monevo, Pagaya Consumer Credit Network LLC, Scratchpay Financial Services LLC, Universal Credit Services LLC, Reach Financial LLC, NetCredit Loan Services LLC, Sunbit Financial Services Inc., Varo Personal Credit Services, Mariner Finance LLC, Oportun Inc., OppFi (Opportunity Financial LLC), Lendly Financial LLC, Possible Finance Inc., Republic Finance LLC, Regional Finance Corp., Heights Finance Corp., Tower Loan (First Tower Finance Company LLC), 1st Franklin Financial Corporation, World Finance Corp., Security Finance Corp., First Heritage Credit LLC, Pioneer Military & Consumer Lending Inc., Sun Loan Company, Covington Credit Inc., Southern Finance LLC, Lendmark Financial Services LLC, Splash Financial Inc., SpringLeaf Consumer Loan Group LLC, Apex Meridian Personal Lending LLC, Beacon Crest Personal Loans Corp., Crestview Consumer Finance Corp., Vanguardia Personal Lending Solutions LLC, NorthStar Personal Credit Inc., OnDeck Capital Inc., Bluevine Capital Inc., Fundbox Inc., Headway Capital LLC, CAN Capital Inc., Biz2Credit Inc., SmartBiz Loans (Better Finance Inc.), Currency Capital LLC, Crestmark Equipment & Commercial Finance, Ascentium Capital LLC, NewLane Finance Company, Beacon Funding Corporation, Fundation Group LLC, Celtic Bank Small Business Lending, Live Oak Banking Company (Commercial Division), Clearwater Consumer Lending Inc., Optima Tax Relief LLC, Community Tax LLC, Anthem Tax Services LLC, Tax Relief Advocates (TRA), Tax Samaritan LLC, Parent & Parent LLP (IRSMedic), Fortress Tax Relief LLC, Precision Tax Relief LLC, Ideal Tax Solution LLC, J. David Tax Law, Cumberland Law Group LLC, Larson Tax Relief Inc., Clean Slate Tax LLC, Tax Defense Network LLC, Gordon Law Group Ltd., Golden State Tax Relief Inc., Victory Tax Lawyers LLP, Tax Group Center Inc., Benchmark Tax Relief Group LLC, Tax Resolution Institute, Choice Tax Relief Inc., Tax Hardship Center LLC, Alleviate Tax LLC, StopIRSDebt.com (Stop IRS Debt LLC), Instant Tax Solutions Inc., Strategic Tax Resolution LLC, Five Star Tax Resolution LLC, Fresh Start Tax Relief Advisors LLC, Tax Rise Inc. (TaxRise), Legacy Tax & Resolution Services LLC, Redwood National Tax Advisors Inc., Wynn Tax Solutions LLC, Priority Tax Relief LLC, Polston Tax Resolution & Accounting, Rush Tax Resolution LLC, Justice Tax LLC, Lifeline Tax Relief Group LLC, Tax Network USA Inc., Landmark Tax Group, Eagle Tax Resolution Partners LLC, Liberty Tax Resolution Services LLC, Sovereign Oak Tax Relief Advisors, Keystone Direct Tax Resolution LLC, Oakridge National Tax Relief LLC, Centurion Tax Defense Group Inc., Evergreen Tax Resolution Partners LLC, Frontline Tax Relief Advisory Inc., Westgate Tax Resolution Services LLC, Monarch Direct Tax Relief LLC, Solstice Tax Resolution Partners LLC.