You care for everyone else—now let’s take care of your debt.
- One payment instead of juggling 5, 10, or more
- Pay typically 30-50% less than you owe (based on AFCC industry data)*
- Be debt-free in 2-4 years—not decades of minimum payments
For credit cards, medical bills & personal loans. Takes 60 seconds. No pressure, Zero judgment.
*Individual results vary. Based on 2020 American Fair Credit Council data.
Get one monthly payment
Boost your credit score faster
Three Steps to Take Control of Your Debt
A simple process built around your time. No runaround.
Share Your Situation (Private & Judgment-Free)
Credit cards, medical bills, personal loans, tell us what you're dealing with. Takes 60 seconds. Everything stays confidential.
Get Matched With Debt Specialists
You'll get a clear breakdown of your options. What will work. What won't. Real experts who negotiate on your behalf.
Choose Your Path Forward
Pick the plan that fits your life. Most people see their first debt settled in 4-6 months.
You Earned That Paycheck. Time to Keep More of It.
Check your estimate now and review the next step.
Right now, you might be watching most of your income disappear into minimum payments that barely make a dent. That $300 payment? Maybe $20 actually hits your balance. The rest goes straight to interest and fees.
Here’s what changes that: There are legitimate programs designed to reduce what you owe and simplify your payments. Our partners have helped nurses and healthcare workers across the country:
- Sarah (ER nurse) went from 6 cards to 1 payment - Jan (home health aide) completed her program with “major relief” - James (ICU nurse, 12 years) even saw his credit score go up
We connect you with companies that do this every day. No gimmicks—just real options that work.
FAQs
Who is Nurses First Debt and why should I trust you?
Nurses First Debt connects you with vetted debt consolidation partners like JG Wentworth and ClearOne Advantage. We are not a creditor or lender. We match you with specialists who negotiate on your behalf.
What happens to my credit during this process?
You may see a temporary decrease in your credit score during the program. However, as balances drop and debts are resolved, many people see their scores recover and improve over time.
How much can I actually save?
Industry data shows settlements averaging around 50% of enrolled debt. After program fees of 15-25%, most people save 25-30% compared to paying the full balance.
How does debt consolidation actually work?
You make deposits into a dedicated savings account. When enough accumulates, a negotiator works with your creditors to reach settlements, often for less than you owe. Most programs take 2-4 years.
Why do nurses say they wish they’d done this sooner?
The most common feedback is emotional relief: reduced anxiety about bills, better sleep, and knowing there is a clear path forward instead of treading water with minimum payments.
How do I know which option is right for me?
Start with our free 60-second assessment. You will see your estimated options without any commitment. A specialist can walk you through the details if you want to learn more.
Read this before you continue
Required disclosures
- We are not a government agency and do not provide government grants.
- Results vary by individual financial situation and creditor policies.
- Debt consolidation programs may affect your credit score.
- No service can guarantee specific outcomes or timelines.