Debt Consolidation Planning
See everything you owe in one place.
Every balance, rate, and due date, side by side. See what your month could look like if several debts became one.
What you owe today
This is an example, and a longer bar means more owed.
- Credit cards
- Auto loan
- Personal loan
- Medical
If a consolidation loan fits, these could become one monthly payment.
How It Works
A clear path, in three steps.
Review
We go through your debts with you, one at a time.
Compare
We look at the consolidation paths open to you and what each one would really cost.
Decide
If a consolidation loan makes sense for you, we refer you to a licensed lender. Key 2 Debt Free is not a lender and does not make loans.
About Rachael
A founder who has walked it
Key 2 Debt Free was founded in 2017 by Rachael J Katz, MBA, a financial educator, author, and speaker who built her work around helping people take control of their money.
Her work grows out of lived experience. She knows what it means to start with very little and rebuild, and she has written two books about it.
At Key 2 Debt Free she brings that same approach to debt: make sense of where you are, understand what deserves attention first, and choose the path that fits you.
Client Testimonials
Rachael always communicated with me and gave me the reassurance that Key2 team was on top of every change…
Gary E. Your professionalism, knowledge, and guidance made what could have been a very challenging process much more manageable.
Eileen H. I can see why you referred her. She is very knowledgeable and gave us some great feedback.
Kristen A.
Individual experiences vary, and no particular result is promised.
Consider Your Options
- Consolidating your debt does not automatically improve your credit score.
- A lower monthly payment can result from a longer repayment term and may increase total borrowing costs.
- Consolidation does not guarantee savings or approval.