Debt Rescue Team puts you in direct contact with your own personal loan lender — skip the independent specialist, skip the middleman, and see whether a lower payoff is actually on the table. It takes about two minutes.
A lot of personal loans — particularly the ones approved when your credit wasn't at its strongest — carry interest rates of 20% or higher. At that rate, roughly 71% of every early payment goes toward interest before any of it chips away at your actual balance. That's why the number can hold steady for months even when you never miss a payment.
There's a shorter path: rather than grinding through the full loan term at that rate — where only about 29% of an early payment actually reduces what you owe — you work out a lower payoff directly with your lender, whether that's a lump sum or a short, structured plan.
Three steps, nothing to sign up front, and no obligation once you see the numbers.
A quick set of questions about your personal loan — who holds it, what's left on the balance, how things are going. Nothing to upload yet.
We put you in touch with your lender's own resolution team — no independent specialist added in, and no blast to a network of other companies.
Go over it directly with your lender, look at what's actually on the table, and decide for yourself — no obligation either way.
One direct line, nobody standing in between — just you and your lender.
There's no charge to get connected through Debt Rescue Team, regardless of which lender you end up working with.
It's encrypted moving through our system and shared only with the lender we connect you to — never handed off to unrelated call centers.
You're linked up with your lender's team directly, instead of your number getting circulated around.
This route tends to make the most sense once a balance has grown large enough to matter — your lender can tell you if that's where you stand.
Seeing what your lender might offer costs nothing, and you're not obligated once you do. The first look runs on a soft credit pull, so checking won't touch your score.
You don't need a perfect credit score or a fully mapped-out budget — just a willingness to look at where things actually stand.
A real balance sitting on one or more personal loans
Payments that feel stuck in place — the balance hardly moves month to month
Considering bankruptcy, but wanting to rule out other options first
Already behind, or worried you're about to fall behind, on a loan
This isn't the right move for everyone — which is exactly why we connect instead of push. If it doesn't fit your situation, your lender will say so, and explain why.
A few people Debt Rescue Team has connected straight to their own lender.
I had two different loan companies calling every week. Now I'm dealing with just one, directly, and I actually know what's going on month to month.
Having the real numbers spelled out clearly, before I agreed to anything, took a lot of the stress out of deciding.
I avoided dealing with it for almost a year out of embarrassment. The first call was just questions, not a sales pitch, and that's what actually got me moving.
Getting connected and looking at your options is built around a soft inquiry, if there's one at all, so it typically won't touch your credit score. If you decide to move forward, ask your lender directly how their process affects your credit before you sign anything.
No. We're a connection service, not a lender or settlement company. We put you in direct touch with your own personal loan lender — we don't lend money, negotiate on your behalf, or operate a program of our own.
Connecting through Debt Rescue Team costs nothing. Whatever changes on your loan gets worked out directly between you and your lender, and any fees involved are explained to you by your lender before you agree to anything.
That depends on your total balance, your lender, and how much you can realistically set aside each month. Your lender can lay out a timeline that actually matches your situation.
Most of the lenders we work with handle unsecured personal loans — bank loans, credit union loans, online installment loans, and no-credit-check loans. Secured debt, like a mortgage or an auto loan, usually doesn't qualify.
Your information is encrypted in transit and only shared with the lender we connect you to — it's never sold off to unrelated third parties or call centers.
It takes a few minutes, costs nothing, and doesn't commit you to anything. At worst, you know more than you did five minutes ago.
Important Disclosures: Debt Rescue Team is a marketing website that helps consumers reach their own personal loan lender's resolution or hardship team directly, and is not itself a debt settlement company, law firm, credit counseling agency, or lender. We do not provide legal, tax, or credit counseling advice, and we do not negotiate with your lender on your behalf — any change to your loan is agreed solely between you and your lender. There is no fee to use Debt Rescue Team. Debt resolution and hardship programs are not appropriate for every situation, are not offered by every lender, and are not available in every state — results vary based on your lender, account terms, and financial circumstances, and no specific reduction in your loan balance, timeline, or acceptance into a program is guaranteed by us or by your lender. Pausing payments as part of a resolution strategy may lead to added fees and interest, continued collection calls, or lawsuits, and can significantly lower your credit score. Resolved debt may be reported to the IRS as taxable income. We may be compensated by lenders in our network for connections made through this site. Review the Terms & Conditions and Privacy Policy before submitting any information.