Unfortunately, the government doesnt offer any debt relief programs for unsecured debts aside from bankruptcy. You may not be out of luck, thoughfree government debt relief programs do exist for specific types of debt like federal student loans, and you can find even more options for support in the form of grants and low-cost loans.

The average American was $104,215 in debt in 2023, according to an Experian report from February 2024 (that number includes auto and housing-related debt). Dealing with a six-figure debt load (or smaller) can be difficult, especially if you have a lot of other obligations and dont earn a very high income. Here are some options that may help.