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Learn how to keep debt manageable and pay it off.</p> </div> </div> <div class="row row--content topic-masthead__row--description"> <p class="topic-masthead__description">Debt is a reality for mostly everybody, but it doesn鈥檛 define your financial future. Learn how to keep debt manageable and pay it off.</p> </div> </div> </div></div> <div class="topicfilter" data-action="topicfilter"> <div class="tab-nav js-tab-nav tab-nav--topics background--template-theme-color-cx template-theme--cx border-bottom--template-theme-color-cx"> <div class="row row--tab-nav row--block row--grid"> <a href="javascript:void(0);" class="tab-nav__display js-tab-nav__display tab-nav--topics__display" tabindex="0" role="tab" aria-expanded="false"><span class="js-tab-nav__display-text">Choose a filter</span><i class="icon icon--action-dropdown"></i></a> <div class="tab-nav__tabs js-tab-nav__tabs tab-nav--topics__tabs" role="tablist"> <a href="javascript:void(0);" class="tab-nav__display tab-nav__display--close js-tab-nav__display--close" tabindex="-1" aria-hidden='true' role="tab" aria-expanded="true">Choose a filter<i class="icon icon--action-collapse"></i></a> <a data-subtopic="debt-financial-assistance" class="tab-nav__tab tab-nav--topics__tab js-tab-nav__tab js-tab-nav--topics__tab t-track-category-option" href="https://bettermoneyhabits.bankofamerica.com/en/debt?subTopicId=debt-financial-assistance" tabindex="0" role="tab">Debt & Financial Assistance</a> <a data-subtopic="paying-off-debt" class="tab-nav__tab tab-nav--topics__tab js-tab-nav__tab js-tab-nav--topics__tab t-track-category-option" href="https://bettermoneyhabits.bankofamerica.com/en/debt?subTopicId=paying-off-debt" tabindex="0" role="tab">Paying Off Debt</a> </div> </div> </div> <div class="row row--block row--grid"> <h2 class="topicfilter__heading js-topicfilter__heading">Most Popular</h2> <div class="mosaic js-mosaic" data-subtopic="overview" role="tabpanel"> <div class="mosaic-item--sizer"></div> <div class="gutter--sizer"></div> <a href="https://bettermoneyhabits.bankofamerica.com/en/debt/paying-off-credit-card-debt" data-path="/content/bmh/en/debt/paying-off-credit-card-debt" data-language="en-US" hreflang="en-US" data-subtopic="paying-off-debt" data-type="visual-story" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--paying-off-debt mosaic-item--Video-dimensions" tabindex="0"> <div class="visual-story mosaic-item--Video template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Video"> <div class="mosaic-item__image mosaic-item__image--visual-story" style="background-image: url( /content/dam/bmh/spotlight-featured-tile/pay-off-credit-card-debt-faster-spotlight-featuredimagetile-787x600.jpg.transform/bmh-jpg-optimize/image.jpg)"></div> <div class="mosaic-item__cta mosaic-item__cta--Video "> <i class="icon icon--visual-story mosaic-item__icon mosaic-item__icon--visual-story " aria-hidden="true"></i> <div class="mosaic-item__video-text"> <h3 class="mosaic-item__video-text__title ">Pay off credit card debt faster</h3> <span class="mosaic-item__video-text__cta-text js-mosaic-item__cta-text"> Explore visual story </span> </div> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/debt/how-to-pay-off-credit-card-debt-fast" data-path="/content/bmh/en/debt/how-to-pay-off-credit-card-debt-fast" data-language="en-US" hreflang="en-US" data-subtopic="paying-off-debt" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--paying-off-debt mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> 4 strategies to pay off credit card debt faster</h3> <p class="mosaic-item__description">Creating a plan using these tactics can help you tackle credit card debt and get back on track.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/debt/how-do-balance-transfers-work" data-path="/content/bmh/en/debt/how-do-balance-transfers-work" data-language="en-US" hreflang="en-US" data-subtopic="paying-off-debt" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--paying-off-debt mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> What is a balance transfer and how does it work?</h3> <p class="mosaic-item__description">You might have heard that this move can be a smart way to help reduce your credit card interest costs. 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Here are 8 things to know in advance.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/debt/how-to-get-emergency-money" data-path="/content/bmh/en/debt/how-to-get-emergency-money" data-language="en-US" hreflang="en-US" data-subtopic="debt-financial-assistance" data-type="Infographic" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--debt-financial-assistance mosaic-item--Infographic-dimensions" tabindex="0"> <div class="Infographic mosaic-item--Infographic template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Infographic"> <div class="mosaic-item__image mosaic-item__image--Infographic" style="background-image: url( /content/dam/bmh/khan-thumbnails/emergency-cash-thumbnail-250x250.jpg.transform/bmh-jpg-optimize/image.jpg)"></div> <h3 class="mosaic-item__title mosaic-item__title--Infographic "> Emergency cash: What are your options?</h3> <div class="mosaic-item__cta "> <i class="icon icon--Infographic mosaic-item__icon mosaic-item__icon--Infographic " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> View infographic </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/debt/strategies-for-paying-debts" data-path="/content/bmh/en/debt/strategies-for-paying-debts" data-language="en-US" hreflang="en-US" data-subtopic="paying-off-debt" data-type="Video" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--paying-off-debt mosaic-item--Video-dimensions"> <div class="Video mosaic-item mosaic-item--Video template-theme--cx" data-featured="true" data-orientation="Video" style="background-image: url( /content/dam/bmh/mosaic-images/debt/strategies-for-paying-down-debt.jpg.transform/bmh-jpg-optimize/image.jpg)"> <div class="mosaic-item__cta mosaic-item__cta--Video"> <i class="icon icon--Video mosaic-item__icon mosaic-item__icon--Video" aria-hidden="true"></i> <div class="mosaic-item__video-text"> <h3 class="mosaic-item__video-text__title ">Strategies for paying down debts</h3> <span class="mosaic-item__video-text__cta-text js-mosaic-item__cta-text"> Watch video </span> </div> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/debt/how-to-overcome-financial-problems" data-path="/content/bmh/en/debt/how-to-overcome-financial-problems" data-language="en-US" hreflang="en-US" data-subtopic="debt-financial-assistance" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview-true mosaic-item--debt-financial-assistance mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> 6 ways to tackle financial stress</h3> <p class="mosaic-item__description">Financial troubles can take a mental and emotional toll. 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mosaic-item__image--Infographic" style="background-image: url( /content/dam/bmh/mosaic-images/debt/paydayloans-spotlight-262x364.png.transform/bmh-jpg-optimize/image.jpg)"></div> <h3 class="mosaic-item__title mosaic-item__title--Infographic "> Here鈥檚 how much a risky payday loan could cost</h3> <div class="mosaic-item__cta "> <i class="icon icon--Infographic mosaic-item__icon mosaic-item__icon--Infographic " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> View infographic </span> </div> </div> </a> </div> <div class="show-more topicfilter__show-more js-topicfilter__show-more"> <a href="javascript:void(0);" data-bactmln="topic-page-_-Hyperlink-_-ShowMore" class="show-more__button js-topicfilter__show-more-btn t-track-body-copy-link" tabindex="0" role="button">Show More </a> </div> <div> </div> </div> </div> <div><div class="aem-wrap--quiz section"> <div class="quiz quiz--type2 quiz--9c43d349-de40-388e-bf56-b2ce55a22245 js-quiz mosaic-item mosaic-item--quiz mosaic-item-- js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview-true mosaic-item--featured-true template-theme--cx" data-action="quiz" data-position="1"> <input class="quiz--currentPagePath" type="hidden" value="/content/bmh/en/debt"/> <input class="quiz--type" type="hidden" value="type2"/> <h3 class="quiz-title"> Quick quiz </h3> <form> <fieldset class="quiz-question"> <legend class="quiz-question__content">Which of these is not a kind of secured credit?</legend> <div class="quiz-question__responses"> <a href="#" data-role="9c43d349-de40-388e-bf56-b2ce55a22245" question-id="topic-link-unsecured-credit-card" class="t-track-quiz-response js-quiz-response quiz-question__response correct background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_which_of_these_is_not_a_kind_of_secured_credit_answer_unsecured_credit_card" tabindex="0" role="button" aria-label="Unsecured Credit Card">Unsecured Credit Card </a> <a href="#" data-role="9c43d349-de40-388e-bf56-b2ce55a22245" question-id="topic-link-home-loan" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_which_of_these_is_not_a_kind_of_secured_credit_answer_home_loan" tabindex="0" role="button" aria-label="Home Loan">Home Loan </a> <a href="#" data-role="9c43d349-de40-388e-bf56-b2ce55a22245" question-id="topic-link-car-loan" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_which_of_these_is_not_a_kind_of_secured_credit_answer_car_loan" tabindex="0" role="button" aria-label="Car Loan">Car Loan </a> </div> </fieldset> </form> <div class="quiz-answer__resolve-screen type2" aria-hidden="true" aria-live="assertive"> <div class="quiz-answer-status__option correct"> <figure aria-hidden="true"> <img src="/etc.clientlibs/bmh/clientlibs/resources/images-min/action-checkmark.svg" aria-hidden="true" alt=""/> </figure> <div class="quiz-answer-status__status"> Nicely done </div> </div> <div class="quiz-answer-status__option incorrect"> <figure aria-hidden="true"> <img src="/etc.clientlibs/bmh/clientlibs/resources/images-min/action-close.svg" aria-hidden="true" alt=""/> </figure> <div class="quiz-answer-status__status"> Good try </div> </div> <div class="quiz-answer-status__percentage"> <div class="quiz-answer-status__poll-percentage"> <ul> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-unsecured-credit-card"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Unsecured Credit Card</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-home-loan"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Home Loan</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-car-loan"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Car Loan</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> </ul> </div> </div> <div class="quiz-answer__content-helper-wrapper"> <div class="quiz-answer__content-helper"> <p class="quiz-answer__content correct">Secured credit means the loan is guaranteed with collateral like a car or home. Unsecured credit, like most credit cards, don't require an upfront deposit or collateral.</p> <p class="quiz-answer__content incorrect">Secured credit means the loan is guaranteed with collateral like a car or home. Unsecured credit, like most credit cards, don't require an upfront deposit or collateral. </p> </div> <a class="t-track-quiz-cta quiz-answer__related-link background--template-theme-color-cx " href="https://bettermoneyhabits.bankofamerica.com/en/debt/difference-secured-unsecured-credit" tabindex="-1" data-bactmln="poll-_-submit-_-question_which_of_these_is_not_a_kind_of_secured_credit_"> Know the difference </a> </div> </div> </div> </div> <div class="aem-wrap--did-you-know section"> <div class="did-you-know mosaic-item mosaic-item--paying-off-debt mosaic-item--did-you-know js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true text--template-theme-color-cx background--template-theme-color-cx--light" data-position="1" data-subtopic="paying-off-debt" data-action="didYouKnow" tabindex="0"> <p class="did-you-know__heading">Did you know?</p> <div class="did-you-know__statement-helper"><p class="did-you-know__statement">What you spend each month paying down debt can impact your getting approved in the future for a mortgage or large loan.</p></div> <a class="did-you-know__button button t-track-cta button--blue" href="https://bettermoneyhabits.bankofamerica.com/en/gen-z-financial-habits?category=borrowing" data-bactmln="topic-page-_-CTA-_-LearnMore_/content/bmh/en/gen-z-financial-habits?category=borrowing" tabindex="0" role="button"> <span class="accessibility-hidden"> Did you know? What you spend each month paying down debt can impact your getting approved in the future for a mortgage or large loan. </span>Learn more </a> </div> </div> <div class="aem-wrap--did-you-know section"> <div class="did-you-know mosaic-item mosaic-item-- mosaic-item--did-you-know js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview-true mosaic-item--featured-true text--template-theme-color-cx background--template-theme-color-cx--light" data-position="3" data-action="didYouKnow" tabindex="0"> <p class="did-you-know__heading">Did you know?</p> <div class="did-you-know__statement-helper"><p class="did-you-know__statement">If you find yourself overwhelmed by debt, qualified credit counselors can help you better manage it.</p></div> <a class="did-you-know__button button t-track-cta button--blue" href="https://bettermoneyhabits.bankofamerica.com/en/debt/credit-counseling" data-bactmln="topic-page-_-CTA-_-LearnMore_/content/bmh/en/debt/credit-counseling" tabindex="0" role="button"> <span class="accessibility-hidden"> Did you know? 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