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Debt Simplified
Debt can feel overwhelming - but it doesn’t have to. In under 25 minutes, you’ll learn how debt works, how interest impacts what you owe, and the smartest ways to pay balances down faster. Whether you’re just getting started or working toward a debt-free future, this course gives you a clear roadmap and practical tools you can use immediately.
Debt Simplified:
Take Control of What You Owe
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Understand the difference between good debt and bad debt - and why that matters for your financial future.
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Explain how interest, minimum payments, and credit behavior affect what you owe (and how fast balances grow).
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Choose a payoff strategy that works for you - Snowball (momentum) or Avalanche (save on interest).
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Identify common debt types and your next best move for each (credit cards, student loans, auto loans, and more).
Debt Simplified Curriculum
Certified Expertise at
No Cost to You
Write your awesome label here.
Write your awesome label here.
Write your awesome label here.
Why This Course
Works for You
Your Personalized Payoff Plan
Learn two proven repayment methods and how to pick the one that fits your goals - then use it to build momentum month by month.
Tools You Can Use Immediately
Simple tools and resources to track spending, understand balances, and stay organized - plus tips that make a real difference fast.
Guidance from Certified Experts
Built on proven strategies used by nonprofit financial counselors to help people reduce debt and regain control.
Support Beyond the Course
Want one-on-one help? You can connect with a certified financial counselor at Credit.org for personalized support at no cost.
Frequently asked questions
Is this course right for me if I feel overwhelmed by debt?
Yes. This course is specifically designed to simplify debt into clear, manageable steps. If you feel stressed, unsure where to start, or stuck making only minimum payments, this course helps you understand what’s happening and what to do next.
I already know the basics about debt. Will I still learn something?
Absolutely. Even if you understand debt in general, this course breaks down:
- How interest truly affects your balances
- Why minimum payments keep you in debt longer
- The difference between Snowball and Avalanche strategies
- How to choose the best payoff method for your situation
Many people think they understand debt - but this course shows how to apply strategy.
How long does it take to complete?
The course takes approximately 25 minutes and is fully self-paced. You can complete it in one sitting or break it up into shorter sessions.
Does this course actually give me a plan or just information?
You leave with a plan and know how to:
- Identify the type(s) of debt you have
- Choose a payoff strategy
- Understand your next best financial move
- Know how to avoid common debt traps
This is practical, not theoretical.
