What if I told you something you already suspect?
Banks don't actually want you to be debt-free.
I know.
It sounds like a conspiracy theory.
After all, they're the ones offering budgeting tools and debt trackers, right?
Helping you "manage your money better."
But here's what almost no one tells the woman who's been making minimum payments for years…
...The system wasn't built to help you get out.
It was built to keep you in.
Let me show you why.
And what you can do about it.
Here's the truth about minimum payments…
You owe $20,000 in credit card debt.
Your minimum payment is around $500.
You pay it every month.
On time.
Like clockwork.
But the balance barely moves.
And you're thinking…
...Am I doing something wrong?
No, mama.
You're not doing anything wrong.
This is by design.
If you only make minimum payments on $20,000…
...It'll take you almost 30 years to pay it off.
Thirty years.
And you'll end up paying double — maybe more — because of interest.
Why do you think they set the minimum so low?
Because high interest for you equals high profits for them.
The minimum payments are working exactly as designed.
Sadly, not for you.
For them.
So what don't they want you to know?
That you have options.
Better ones.
Faster ones.
More effective than making minimum payments for three decades.
The most detrimental mistake someone can make?
Not exploring all their debt relief options.
I've seen it firsthand.
Thousands of times.
Women who spent years — decades even — paying minimums…
...Before they finally realized there were other paths.
I get it though.
It's overwhelming to research.
To compare.
To try to understand everything that's out there.
But you're smart enough to know what you don't know…
...And what you don't know yet is which option actually gets you out.
Let me break down what's available…
If you're still current on your debt:
Option 1: Debt consolidation loan
If you have decent credit…
...You might qualify for a loan to pay off your debt at a lower interest rate.
One payment.
Lower interest.
Faster payoff.
But here's the catch…
Make sure you're actually getting a loan.
Not signing up for a "debt consolidation program."
Those are legitimate — but they're different.
And some companies advertise loans…
...Then switch you to programs once you call.
We'll talk about that in a second.
Option 2: Nonprofit credit counseling
This is where you work with an agency to set up a debt management plan.
They negotiate lower interest rates with your creditors.
Your 22% interest drops to maybe 7%.
Everything gets bundled into one monthly payment.
If you stick to it?
You're out of debt in about 5 years.
Maybe less.
You stay current.
No falling behind.
No lawsuits.
Just a clear path to the finish line.
If you're already behind or struggling to keep up:
Option 3: Debt settlement
This is where you work with a company that negotiates with creditors to settle your debt for less than you owe.
You stop paying creditors directly.
You put money into a savings account each month.
The company uses that to negotiate settlements.
"She owes you $10,000. She can't pay. Will you accept $5,000?"
When they agree, you pay from your savings.
Account closed.
Sounds great, right?
It can be.
For the right situation.
But here's what you need to know…
Some companies are misleading.
They advertise that you "pre-qualify" for a loan…
...Then when you call, they say you don't qualify for the loan…
...But you DO qualify for their settlement program.
It's a bait and switch.
And some companies gloss over the downsides:
Your credit takes a hit because you're falling behind.
You could get sued while accounts are past due.
Fees are typically 15-25% of enrolled debt.
Here's the thing…
Debt settlement can be a valid option.
But only if you're already behind or about to be.
And only if you're working with a company that's transparent about pros AND cons.
One with good reviews.
One that tells you the truth upfront.
Option 4: Bankruptcy
I know.
It's taboo.
But hear me out…
Sometimes it's the fastest and easiest way out of unsecured debt.
Credit cards.
Personal loans.
Medical bills.
You have two options:
Chapter 7: You could be debt-free in 3-4 months. Yes, months.
Chapter 13: A 3-5 year payment plan based on your disposable income.
I've helped thousands of people over the years.
And I've seen people repair their credit a year or two after filing.
It's not the end of the world.
It's sometimes the beginning of a new one.
Are there cons?
Yes.
It shows on your credit report.
Some assets could be at risk in Chapter 7.
There's stigma attached to it.
But if you're truly in over your head…
...Don't rule it out just because of shame.
You're carrying enough weight already.
So which option is best for you?
That's where the free calculator comes in.
It breaks down:
How long each option will take…
How much you'll pay in total…
Which route saves you the most money…
All based on YOUR numbers.
YOUR situation.
It takes about 2 minutes.
No email required unless you want to talk through your options.
No fluff.
No commitment.
Just a clear way to see what's actually possible.
You're smart enough to see what's happening here…
Banks profit when you stay in debt.
For years.
For decades.
They don't make money when you're free.
But you have options.
Resources.
Paths that get you out faster.
At a rate you can actually afford.
You don't have to be stuck in debt for the next 20 years.
You don't have to drown in high interest rates.
You just need to be curious.
Open-minded.
And willing to take your power back.
You've carried this long enough, mama.
Click below and let's see which path actually fits.
P.S. When you see the timeline that's 5 years instead of 30…
...You're going to feel something shift.
Because for the first time in a long time…
...You'll know there's a way out.
And it doesn't take half your life.
I'll be here when that happens.
You're already doing the hardest part.
