Fresh Start
Money help. Clear next steps.
Calm guidance for bills, credit and money stress, with alternatives before a hard sell.
Money stress rarely comes one bill at a time. Most people are dealing with more than one thing, and the loudest advice is often a hard sell.
Fresh Start helps you sort out what kind of money stress you're in, then gives you calm, plain-language next steps, with the alternatives laid out before bankruptcy.
- Hospital bills, ongoing treatment or collections
- Credit card or personal loan balances with high interest
- A sudden gap between income and outgoings after a job loss
- Shared debt and separated finances after a divorce
- Federal or private student loans and repayment paths
- Missed rent or mortgage payments
Start with what's stressing you. Pick the situations that apply, and read the options before anyone sells you one.
Key features
Start with your situation
Medical debt, credit cards and personal loans, job loss, divorce, student loans and housing. The latest iPhone build adds tax debt.
Alternatives first
Options people often haven't tried yet, explained before bankruptcy comes up.
Plain language
A clear read on where you stand, without jargon or judgment.
No account, nothing saved
The whole report works without signing in, and your answers are gone the moment you close or reload it. No database record, no file on your device.
What we never ask for
No name, no address, no Social Security number, no account number and no documents. It works from the figures you type.
Information, not legal advice
Fresh Start explains how things typically work. It is not an attorney.
How it works
- 1
Pick what's weighing on you.
- 2
Add a few figures.
- 3
Get a clear snapshot of your options.
- iPhone: in TestFlight (internal testing)
- Web app: live preview
- Not yet on the App Store
Options before a hard sell. Clear next steps.