Debt Consolidation in Iowa

Iowa residents carry an average of $28,000 in consumer debt. Find the best consolidation options to lower your payments and become debt-free faster.

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Debt Statistics in Iowa

$28,000
Average Consumer Debt
$62,000
Median Household Income
45%
Debt-to-Income Ratio

Top Debt Consolidation Options in Iowa

These lenders and programs serve Iowa residents and have strong track records.

Editor's Choice
National Debt Relief logo

National Debt Relief

4.5
Best For
Debt over $10,000
Highlights
  • No upfront fees
  • Free consultation
  • Accredited by IAPDA
  • A+ BBB rating
Check Rates

Free to check, no impact to credit

SoFi logo

SoFi

4.7
Best For
Good credit borrowers
Highlights
  • No origination fees
  • Unemployment protection
  • Fast funding (same day possible)
  • Rate discounts available
Check Rates

Free to check, no impact to credit

LendingClub logo

LendingClub

4.3
Best For
Fair credit borrowers
Highlights
  • Accepts fair credit (600+)
  • Joint applications allowed
  • Direct creditor payment option
  • No prepayment penalty
Check Rates

Free to check, no impact to credit

Upgrade logo

Upgrade

4.4
Best For
Fast approval needed
Highlights
  • Accepts fair credit (580+)
  • Fast approval process
  • Credit monitoring included
  • Multiple loan options
Check Rates

Free to check, no impact to credit

Rankings are based on editorial opinion. We may receive compensation when you click on links.

Understanding Debt Consolidation in Iowa

If you're a Iowa resident struggling with multiple debts, debt consolidation could help simplify your finances and potentially save thousands in interest. With the average IA resident carrying $28,000 in consumer debt, many are looking for relief.

Your Options in Iowa

  • Debt Consolidation Loans: Combine multiple debts into one loan with a fixed monthly payment and potentially lower interest rate.
  • Debt Management Programs: Work with a nonprofit credit counseling agency to negotiate lower rates with your creditors.
  • Debt Settlement: Negotiate to pay less than you owe, typically for those with $10,000+ in unsecured debt who are experiencing financial hardship.
  • Balance Transfer Credit Cards: Transfer high-interest balances to a card with a 0% introductory APR.

Iowa Consumer Protection Laws

Iowa has consumer protection laws that regulate debt collection and credit practices. Before working with any debt relief company, verify they are licensed to operate in IA and check their standing with the Better Business Bureau and your state's attorney general office.

Getting Started

The first step is understanding your current debt situation. Use our calculator below to see how much you could save with debt consolidation, then get a free quote from our recommended partners.

Calculate Your Savings in Iowa

See how much Iowa residents like you could save by consolidating debt at a lower rate.

  • Programs available in all Iowa counties
  • No impact on your credit score to check options
  • Free consultation with IA-licensed advisors

Debt Payoff Calculator

See how much you could save with debt consolidation

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Your Potential Savings

Time to Pay Off (Current)
78 months
Time to Pay Off (Consolidated)
48 months
Total Interest (Current)
$14,000
Total Interest (Consolidated)
$5,200
Your Potential Savings
$8,800
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No credit check required • 100% free

Ready to Get Started, Iowa?

Join thousands of IA residents who have taken control of their debt.

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Debt Consolidation in Other States

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1
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