© 2025 FreshStart Guidance, a DBA of Vincere Marketing Solutions. All rights reserved.
FreshStart Guidance is not a lender, debt settlement company, or credit repair organization. We are a marketing and referral service that connects consumers seeking debt relief or consolidation options with independently operated, federally regulated financial partners and programs.
Checking your eligibility through FreshStart Guidance does not affect your credit score and does not obligate you to enroll or accept any offer. Loan and program terms, including Annual Percentage Rates (APRs), fees, and repayment periods, are determined solely by participating lenders or debt-relief providers and vary based on creditworthiness, income, debt obligations, and other factors. There is no guarantee of approval or specific results.
Program availability and terms may vary by state and partner. Not all applicants will qualify for all offers. Any rates or examples shown (such as “credit card APRs around 25% vs loan rates near 9%”) are for illustrative purposes only and do not represent an actual offer or guarantee of credit.
By submitting your information, you agree that FreshStart Guidance and its partners may contact you by phone, text message, or email (including by automated means) for marketing and service purposes. All calls may be recorded or monitored for quality assurance and training.
FreshStart Guidance and its partners do not discriminate on the basis of race, color, religion, sex, marital status, national origin, or ancestry. Testimonials reflect individual experiences and may not represent typical results.
Our Partners Have Helped Over 50,000 People Get Back On Track
Average $347/month saved
One fixed monthly payment
Connect in minutes
Overwhelmed by High Credit Card Debt?
You're not alone and there's a smarter way
We match you with a trusted provider who helps lower your monthly payments, cut down interest costs, and create a plan that leads you to real debt freedom.
Take Control of Your Financial Future
Checking your options is free and won’t impact your score.
Our Partners Have Helped Over 50,000 People Get Back On Track
Average $347/month saved
One fixed monthly payment
Connect in minutes
See How Thousands Are Paying Off Debt, Without Extra Stress
Watch this short video to learn how one predictable payment can help you take control of your finances and start seeing real progress — not just interest payments.
3 Steps Toward Debt Relief
Check your options
Answer a few questions to help us match you with the right program.
Speak with a certified specialist
Your specialist explains your options including estimated rate, monthly payment, payoff timeline, and next steps.
Start your plan
Combine your balances into one fixed monthly payment with a clear payoff schedule so you can finally see steady progress.
From Minimums to Real Progress
We’re Here to Help You Take the Next Step
Get connected with a trusted provider to get clear on rate, monthly payment, and your payoff timeline.
No upfront fees. Checking options won’t impact your score.
We match your situation to a provider who fits your needs and goals.
Frequently Asked Questions
Will checking my options affect my credit score?
Are there any upfront fees?
How fast can I see my best option?
Who typically qualifies for consolidation?
What information do I need to provide?
Simple, Safe and 100% Confidential
Consolidation and other options can lower total interest, make budgeting easier, and bring peace of mind with a clear payoff date.
Sarah M.
"I was drowning in credit card debt with 24% interest rates. DebtFree Monitor helped me get a personal loan at 9.5% and now I'm saving over $400 every month. I'll be debt-free in 4 years instead of never!"
Consolidated Debt:
$23,400
Monthly Savings:
$412/month
Overwhelmed by High Credit Card Debt?
You're not alone and there's a smarter way
We match you with a trusted provider who helps lower your monthly payments, cut down interest costs, and create a plan that leads you to real debt freedom.
Take Control of Your Financial Future
Checking your options is free and won’t impact your score.
See How Thousands Are Paying Off Debt, Without Extra Stress
Watch this short video to learn how one predictable payment can help you take control of your finances and start seeing real progress — not just interest payments.
We match your situation to a provider who fits your needs and goals.
3 Steps Toward Debt Relief
Check your options
Answer a few questions to help us match you with the right program.
Speak with a certified specialist
Your specialist explains your options including estimated rate, monthly payment, payoff timeline, and next steps.
Start your plan
Combine your balances into one fixed monthly payment with a clear payoff schedule so you can finally see steady progress.
Simple, Safe and 100% Confidential
From Minimums to Real Progress
Consolidation and other options can lower total interest, make budgeting easier, and bring peace of mind with a clear payoff date.
Sarah M.
"I was drowning in credit card debt with 24% interest rates. FreshStart Guidance connected me with the perfect partner who helped me get a personal loan at 9.5% and now I'm saving over $400 every month. I'll be debt-free in 4 years instead of never!"
Consolidated Debt:
$23,400
Monthly Savings:
$412/month
We’re Here to Help You Take the Next Step
Get connected with a trusted provider to get clear on rate, monthly payment, and your payoff timeline.
No upfront fees. Checking options won’t impact your score.