Recommended starting point
How to get out of payday loan debt
Use a step-by-step plan for upcoming debits, lender calls, collections, and choosing an exit path.
Resource hub
Payday and tribal loan debt resources
Find the guide that matches the problem you are facing. Start with an urgent payment, compare ways out, understand a loan or lender, or learn how our service works.
Deal with what is due now
Handle an urgent payday loan problem
Start here if a debit is close, payments are taking over your paycheck, or a lender or collector is calling.
- Use the payday loan debt guide
Know what you are being offered
Compare ways out of payday loan debt
Separate new loans, payment plans, credit counseling, and debt settlement before you choose a path.
- Compare payday loan consolidation options
Payday loan consolidation: what one payment can mean
Compare four different paths that may combine or replace several payday loan payments, then judge the costs and tradeoffs.
Understand the account
Learn what kind of loan and lender you have
The lender, payment structure, governing terms, and collection status can change which questions you should ask next.
- Use the tribal loan debt guide
What to do when tribal loan payments become unaffordable
Identify the lender, handle debits or collections, compare options, and see whether the account may qualify for relief.
Understand the service
See what happens when you ask for help
Know who reviews your information, how the service handoff works, and which decisions remain yours.
- See how BetterRelief.org works
How BetterRelief.org works
See what we do, how your information is handled, who provides the service, and whether asking for a review obligates you to enroll.
Prefer a personal review?
See whether your loans may qualify.
It is free to check. If there may be a fit, we connect you with one service partner. Your information is not sold to a marketplace.