Debt relief, without the spin

Minimum payments are a 15-year plan.
Yours could be 53 months.

If you're only making minimums, maxed out, or can't borrow at a lower rate — debt relief is a real way out. We show you the math first, then you decide.

Checking won't affect your credit score · No upfront fees

Debt-free
in 2029— not 2041. That's the pivot.

Customized debt relief programs have helped over 2 million people resolve more than $20 billion in debt.

2M+people helped
$20B+in debt resolved
1,400+professionals working for you
4,000+creditors negotiated with

Results reflect the customized debt relief programs and servicing partners Pivot connects members with.

How it works

No surprises. Just the math, laid out.

Three simple steps. The middle one matters most — that's where you see what your debt costs you now versus what it could cost with a plan.

Step 1

Tell us your situation

A few basic questions and a soft credit pull — no score impact — so we can see who you owe and what you owe.

Step 2

See the math, side by side

Your balances, payments, and timeline next to a debt relief plan — so you can compare real payoff time and total cost both ways.

Step 3

You decide

No pressure, no hard sell. With the full picture in front of you, you choose whether debt relief is the right step.

Step 2 · an example on $43,000

The same debt, two ways out.

Without Pivot

Minimum payments

Monthly payment: $1,290
Time to debt-free: 15+ years
Total repayment: $129,000

With Pivot

One plan

New monthly payment*: $660
Time to debt-free*: 53 months
Est. total, after fees*: $34,400

*Illustration based on industry averages, not your results. Minimum-payment figure assumes a typical 28.8% APR. Settlement results, fees, timeline, and credit impact vary, and not all debts qualify. Your actual numbers come from the soft credit review in step 1.

See what your numbers actually look like.

It takes a couple of minutes, won't affect your credit, and there's no pressure either way.

See my options →

No upfront fees. Ever.