Built for the people who build futures
A Practical Debt Plan for Teachers
Explore debt options designed for educators who need a clear path, not more confusion.
Explore Your OptionsHow Teachers First Debt Works
Free Evaluation
Tell us about your situation — salary, debt types, and what's stressing you out. Takes 5 minutes.
Get Your Options
See what programs and partners work best for teachers — including PSLF, settlement, and consolidation options.
Get Matched
Get connected with a partner who understands educators' financial situations. Free consultation, no commitment.
Compare Your Debt Relief Options
Debt Settlement
Negotiate with creditors to pay less than you owe.
- Reduce total debt by 40-60%
- One monthly program payment
- Typically done in 2-4 years
- May affect credit score during program
- Not all creditors negotiate
- Settled amounts may be taxable
Teachers with $10K+ in credit card debt who want to reduce the total balance.
Debt Consolidation
Combine multiple debts into one lower-interest payment.
- Simplify to one monthly payment
- Lower interest rate
- No negative credit impact
- Need decent credit to qualify
- Doesn't reduce total balance
- Risk of new debt
Teachers with good credit who want to simplify and lower monthly payments.
PSLF + Management Plan
Public Service Loan Forgiveness paired with a debt management plan for credit cards.
- Student loans forgiven after 10 years
- Credit card rates reduced
- One combined strategy
- PSLF requires 120 qualifying payments
- Must stay in public service
- DMP takes 3-5 years
Teachers with both student loans and credit card debt who plan to stay in education.
Reviews From Our Partner Network
Real reviews from clients of our vetted debt relief partners.
The individuals that I spoke with were amazing helpful thoughtful and very kind. Unfortunate circumstances got us where we are and rather than judging they empathized and let me know I was going to be able to finally climb out of this situation.
David Chang was very kind and helpful in the process for not only my husband but myself too.
Very helpful, from filing to downloading documents. Gave special instructions for interaction with creditors, and basically took all the worry off my shoulders.
These reviews are from clients of our partner companies and were sourced from public review platforms. Individual results vary. We are a matching service, not a debt relief provider.
Required Disclosures
- Teachers First Debt is not affiliated with any school district, teachers union, or government agency.
- Program outcomes vary and no provider can guarantee specific savings, approval, or timeline results.
- By sharing your contact details, you agree to receive communications related to your request via phone, text, and email, consistent with applicable law.