Filtered to option types you're likely to qualify for. These are generic lender types with typical ranges, not specific companies or offers.
2 matching options
Debt Management Plan · Credit counseling (DMP)
Non-profit counselors negotiate lower card rates. Accounts are typically closed.
APR range
6%–10%
36–60 mo
Fees
~$35 setup, ~$25/mo
Credit needed
Any score
Debt Management Plan · Credit counseling (DMP)
Non-profit; free budget review before any plan.
APR range
6%–9%
36–60 mo
Fees
Varies by state, capped
Credit needed
Any score