Get out of debt — with your eyes open. DawnLedger is an independent editorial site about US debt relief. We explain your
options in plain English and point you to vetted providers. We do not collect your financial
information, and we're not a lender, law firm, or debt relief company — when you're ready, you go
straight to the provider's own site.
Free & independent No sign-up, no forms We never sell your data Sourced from CFPB · FTC · IRS Find the right debt relief for your situation Answer two quick questions. We point you to the right option — and never collect your information.
1. What kind of debt is it?
Credit cards / personal loans Medical bills Tax / IRS debt Student loans Payday loans Business / merchant cash advance
2. Roughly how much unsecured debt?
Under $7,500 $7,500 or more
← back Start here Debt settlement: how it works, costs & risks The master guide — what it is, what it costs, who it fits. Compare Best debt relief for nurses (2026) Money-page comparison with published methodology. Review National Debt Relief review (2026) Fees, pros, cons — and is it legit? Your situation Stop a wage garnishment in progress Exemptions, challenges, settlement. Tax Tax debt relief: IRS back taxes Installment plans, OIC, and the scams to avoid. Student loans Student loan debt relief Federal options vs refinancing — and the trade-off. Business Business debt relief: MCAs & settlement The merchant cash advance trap, and how to get out. Answer How much debt to qualify for relief? Typical minimums, explained. Tool Debt relief savings calculator Client-side estimator — no data collected. Guides Compare providers Reviews Answers Glossary By state Research Tools Advertising disclosure: Some links on this page are affiliate links. If you contact a
provider through one of them, we may earn a commission — at no extra cost to you. This never changes
how we rank or review providers. We do not collect any of your financial information: you are sent
directly to the provider's own website.
How we work Editorial first. Named authors, every claim fact-checked against primary sources (CFPB, FTC, IRS).Click-out only. No forms, no financial-data collection — providers handle that on their own sites.Honest rankings. We publish our methodology and disclose affiliate links; commissions never move a provider up the list.Vetted partners only. We link accredited providers and flag when one can't serve your state or debt type.