Debt is stressful enough without surprises. Here's exactly how this works, what to expect, and what we will and won't do.
Yes. Taking the qualification quiz and getting matched with the right solution costs you nothing. If you choose to move forward with one of our partner providers, their pricing is disclosed to you directly and transparently before you commit to anything.
Filling out the qualification quiz itself has zero impact on your credit — we don't pull your credit report to match you. Some of the solutions you get routed toward (like a consolidation loan application) may involve a credit check later, but that is always your choice and disclosed upfront.
You answer four short questions about your debt level, credit situation, income stability, and what you're trying to accomplish. Based on your answers, we route you toward the one or two solutions that are realistically the best fit — and we're honest when a particular option probably isn't right for you.
Yes. Your information is handled securely and is only shared with a vetted provider if you explicitly ask to be connected. We do not sell your data to random lead buyers. Full details are in our Privacy Policy.
It depends on the path. Debt relief programs typically run 24–48 months. Consolidation loans follow the loan term you choose (often 2–7 years). Credit counseling DMPs usually run 3–5 years. Credit repair timelines vary based on what's on your report. Bankruptcy resolves fastest — Chapter 7 can discharge in a few months, while Chapter 13 involves a 3–5 year repayment plan.
That happens — and we'll tell you honestly. Sometimes the best answer is simply a stricter budget, a side income, or a hardship program directly with your creditor. Our job is to help you see the full picture, not push you into something that doesn't fit.
No legitimate service can guarantee a specific outcome — and anyone who tells you otherwise is lying. What we can guarantee is that you'll leave the quiz with a clearer understanding of your real options than you had two minutes earlier.
Not to take the quiz or see your match. Some downstream providers (like lenders or attorneys) may need it once you choose to engage with them formally, but never as part of the Debt Digital matching process itself.
Take the quiz anyway. It's entirely possible you were routed into the wrong solution by someone who only sells one thing. If so, understanding your real options is the first step toward making a better decision — and you're not locked into your current arrangement forever.
No. We're an education and matching platform, not a licensed advisor. We help you understand your options and connect you with qualified professionals, but we don't provide individualized legal, tax, or financial advice. For decisions with major legal or tax implications (like bankruptcy), always consult a licensed attorney or CPA.
When we connect someone with a partner provider who specializes in their matched solution, we may receive a referral fee from that provider — never from you. Our revenue model is aligned across all six solutions, which is part of how we can make unbiased recommendations.
For debt under $5,000, the realistic best answer is often just structured self-directed payoff — using techniques like the debt avalanche or snowball method, possibly combined with a balance transfer offer. Many formal programs don't make financial sense at small debt levels because the fees outweigh the benefit. The quiz will tell you honestly if that's your situation.
Absolutely. Your situation may change over time — income changes, debt levels change, goals change. Retaking the quiz is the right move any time your circumstances shift significantly.
Still have questions?
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If your question isn't answered above, reach out directly. We respond to every message personally.