Debt Rate Reset Guide

Rates went down. Card APRs mostly didn't. If you're carrying balances on more than one card or loan and juggling minimum payments has become the whole plan, this 16-page guide gives you an actual strategy instead.

What you get:

• Why this matters right now: the "sticky rate" problem explained, with current data on average APRs and balances
• The R.E.S.E.T. Method: 5 steps — Rank Every Balance, Evaluate Your Options, Select Your Method, Execute & Automate, Track Progress & Avoid Traps
• An avalanche-vs-snowball comparison grounded in behavioral research on which one people actually stick with
• A Payoff Tools Compared page: balance transfer cards vs. debt consolidation loans, with current typical rates and fees
• A dedicated Avoiding Debt Relief Scams page — FTC-sourced red flags, including a direct warning against "sovereign"-style pseudo-legal debt theories
• Common mistakes and fixes, plus a page on when debt is affecting more than your wallet
• A printable balance-tracking worksheet and R.E.S.E.T. cheat sheet
• Trusted resources, including the FTC, NFCC (find-a-counselor), and the Federal Reserve

Grounded in current rate data and debt-payoff research. Every heading links directly to that page. Fully editable in Canva.

Built for: Anyone carrying balances on more than one card or line of credit who's trying to decide what to pay down first, and how.