Overview

Debt doesn't just cost money. It costs sleep, relationships, options, and years of your life. And it's designed to keep you paying - indefinitely. The Debt Escape Plan is a straight-talking, no-shame blueprint for getting out from under your debt - credit cards, student loans, medical bills, personal loans - and staying out. Inside, you'll find: - The debt avalanche vs. debt snowball: when to use each and the math behind both - How to negotiate directly with creditors - including exact scripts - The hardship program playbook: what major creditors offer and how to ask for it - Student loan strategies: IDR plans, PSLF, refinancing - what actually works in 2025 - How to dispute and remove errors from your credit report - The minimum payment trap: why minimum payments keep you in debt for decades - A 12-month debt payoff sprint: exactly what to do each month based on your total debt load No judgment. No shame. Just the fastest path out.

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