Say Goodbye to Debt Forever

If you want to kick debt to the curb, first you need to know what it is and how it’s holding you back. We’ll teach you the best way to get debt out of your life, and we'll give you the apps and tools to do it faster than you ever thought you could.

Try it free for 14 days. Cancel anytime. No hassle.

Say Goodbye to Debt Forever

If you want to kick debt to the curb, first you need to know what it is and how it’s holding you back. We’ll teach you the best way to get debt out of your life, and we'll give you the apps and tools to do it faster than you ever thought you could.

Try it free for 14 days. Cancel anytime. No hassle.

How to Pay Off Debt Faster

Instead of chipping away at a mountain of debt one minimum payment at a time, you'll crush it with the debt snowball method. List your debts smallest to largest. Pay off the smallest debt fast, then take all of that freed-up money and pay off the next one! Before you know it, you’ll be debt-free—like no more payments ever.

Animation of the debt snowball from the BabySteps app
Three screen previews of Ramsey+ apps featuring video lessons, EveryDollar budgeting, and the debt snowball

Why Our Method Works

The debt snowball focuses on getting you quick wins that keep you motivated to pay off every last debt—even the big ones. And our apps help you make it happen. Learn how to cut expenses and increase your income, find more money in your budget, and track every debt you pay off as you get closer to your debt-free date.

Get Real Results

The average household pays off $5,300 in the first three months of working our plan. Just imagine how much you could pay off by this time next year. You might even be debt-free!

On average $5,300 paid off in the first 90 days

Debt is not a tool used to build wealth, and payments don't have to be a way of life.

Debt is not a tool used to build wealth, and payments don't have to be a way of life.

Learn More About Debt

Debt Calculator

Ever wondered how much debt you actually have, or how fast you could pay it off? We’ll show you the difference between making minimum payments and using the debt snowball method.

How to Pay Off Debt

Want to learn more about what debt is and how to get rid of it? We've got you covered.