Debt Free Starts Here Partners with Ryan Lochte and Ryan Lochte believe you deserve a second chance!

When recruited Olympic swimmer Ryan Lochte to be our brand ambassador, we didn’t realize our mantra – “everyone deserves a second chance” – would make such a splash. If you’re drowning in debt and need someone to throw you a lifeline, contact today. We can help you lower your monthly payments, eliminate your debt and save your credit score so you can get back on solid financial ground.

Ask the Expert

Get Answers

Have a question? We find you the professional advice from Howard Dvorkin and other experts in their field.


Calculators & Free Budget Tools

Everything from your mortgage to your credit cards. and Power Wallet have the tools to help you manage your money.

Self Help

Self Help

Learning how to stay out of debt is part of the process. Read our free guides and content to solve your own money problems.



By the Numbers

In The Air And On The Road

This week: Angry, paranoid, and tired.

Read More
Trump circus

Donald Trump’s Student Loan Circus

He wants to ditch almost everything that helps students save money and manage debt in order to "prioritize students" and "empower parents."

Read More
How I protect myself from identity theft

Banks Warn Customers About Fraud More Often

Whether it’s a text message, phone call, email or letter, your banking institution can let you know when fraudulent activity occurs on your account. Do you get fraud alerts?

Read More
how entrepreneurs fail

Is President Trump Good or Bad for Entrepreneurs?

Here's a hint: Your own actions can decide.

Read More
Young clever woman during her job and money conversation

This Summer: More Seasonal Work at Higher Pay

More companies, large and small, are on the hunt for great workers this summer, while pay for those jobs is also expected to go up.

Read More

Kayla’s Debt Changed Her Life

Her financial mess gave her new hope.

Read More
A team of 2 firefighter of a German fire brigade after an exhausting training session with protective gear

Can Volunteer Firefighters Get Student Loan Forgiveness?

A reader wants to know if you need a real job to get real debt relief.

Read More
Special Reports
Howard Dvorkin on debt

It’s Financial Literacy Month. Give Yourself Some Credit! [VIDEO]

This month, answers all your questions – in under a minute.

Read More
Special Reports
Saving in 30

How to save big in just a few seconds [VIDEO]

Saving money doesn't have to be hard. Learn how in just 30 seconds a day and make your new year's resolution come true.

Read More
Special Reports
Ryan Lochte: 12 Time Olympic Medalist

Ryan Lochte and in the News

Since asked Olympic swimmer Ryan Lochte to help us get the message out about how can give Americans a second chance with their finances, the response has been intense.

Read More

Trump Is Good For America Now – And Even Better Later

I didn’t vote for him, but I also don’t complain about him.

Read More
Neil Gorsuch

Is Neil Gorsuch Good or Bad for Your Wallet?

One month into his new job, here's a quick look at how Trump's Justice weighs in. It's way too early for a verdict.

Read More