Free Debt Options Calculator: https://tryascend.com/qualify/calculator/quick/ytdsbk24
See if you qualify for bankruptcy: https://tryascend.com/qualify/bankruptcy/ch7/quick/ytdsbk24

Do you qualify for a loan? Check and compare your options: https://tryascend.com/qualify/consolidation-loan-and-alternatives/ytdsbk24

Debt settlement or bankruptcy – which one truly makes sense in 2025? Many people facing overwhelming debt feel trapped between these two choices, but the real differences go far beyond what most videos share. This updated guide from Ascend Finance dives into the hidden credit score impacts, the risks no one warns you about, and how the wrong choice can delay your financial recovery for years.

You’ll see why some people’s credit scores barely move while others face lasting setbacks. This video uncovers how debt settlement actually works behind the scenes, including the realities of falling behind on payments, potential lawsuits, and what those “no upfront fee” companies don’t explain. It also touches on Chapter 7 vs. Chapter 13 bankruptcy and the surprising scenarios where one option might quietly outshine the other.

If you’ve been wondering whether to negotiate with creditors or start fresh through bankruptcy, this breakdown will make you think twice before committing. The differences in 2025 are more significant than ever – and the path you choose could change your financial future.

Here’s what we cover in today’s video:
0:00 Debt Settlement vs Bankruptcy
0:30 Credit Score Impact Explained
2:45 When Debt Settlement Makes Sense
5:24 How Debt Settlement ACTUALLY Works
7:20 Risks and Lawsuit Potential
8:45 Debt Settlement Company Fees
10:15 Chapter 7 vs Chapter 13 Basics
12:40 Which Option May Be Better for You

At Ascend, we are dedicated to making debt freedom cheaper, easier, and faster.

Music: bensound.com
License code: 0PQPYEPTYPS5ODIQ

The Debt Review Awards 2025 will be live-streamed on Friday, 24th October 2025

Join our Industry Pre-show (12am – 2pm) and Debt Review Awards Show (2pm -4:15pm), live from the venue in Ballito, KZN.

For social media, please use: #debtreviewawards2025

October 24th Agenda:

Industry Pre Show
11:50am: 10 min Countdown to Industry Preshow
12 Noon: Welcome
Presentations, Features & Interviews
1:50pm: 10min Countdown to Awards Show Livestream

Debt Review Awards Show
2:00pm: Welcome & Speeches (DTIC and NCT)
2:25pm: Debt Write off & Co Branded Awards
2:50pm: Short break
3pm: Speeches (NCR & PDASA)
3:30pm: Peer Review Awards
4:10pm: End of Show
4:15pm: End of live stream

Visit www.debtreviewawards.co.za for more information.
#debtreviewawards2025 (for social media posts)

Ravi Lulla and Damon Benning open Tuesday’s show discussing the LATE night of Los Angeles Dodgers’ baseball on Monday night in the Dodgers’ Game Three win in the World Series. Callers have questions about the Nebraska offensive scheme matchup against USC. Does USC change its game plans when on the road? College football coaching openings will dominate the storylines of the remainder of the season. What teams are trending towards being national title contenders? A thought-exploring discussion on coaches moving to new jobs and eating glue in elementary school. Emmett Johnson and the running game have not received enough credit. USC and Nebraska are closer in talent than what many will give credit to the Huskers for. A preview from USC’s perspective on the road trip for the Trojans to Lincoln.

Brett Ciancia of Pick Six Previews, Mike Schaefer of Husker247, and Ryan Abraham of Inside Troy joins Hurrdat Sports Live.

0:00 INTRO
2:51 A Late Night of Dodgers Baseball
43:02 BREAK
44:53 Caller Questions for USC
1:02:33 BREAK
1:04:24 PICK SIX PREVIEWS | Analytics on College Football Playoff Contenders
1:36:25 BREAK
1:40:20 College Football Coaches on the Move
1:58:21 BREAK
2:03:14 MIKE SCHAEFER | Nebraska Football’s Efficiency vs. USC’s Talent
2:39:21 BREAK
2:44:52 RYAN ABRAHAM | USC’s Road Identity at Nebraska

Hurrdat Sports Live is presented by @centrisfederalcreditunion9213. ???? Guidance about finances should come from a trusted source. That’s why Centris Federal Credit Union partners with GreenPath Financial Wellness to provide FREE financial counselling services to their members. Learn more at https://www.centrisfcu.org/resources/financial-counseling/.

Tune into Hurrdat Sports Live from 7-10 am each weekday. You can now tune into this show on Hurrdat Sports’ Facebook, Youtube and X as well as at hurrdatsports.com/live

Follow Ravi and Damon on X:
Ravi: https://x.com/ralulla
Damon: https://x.com/damonbenning

Follow Hurrdat Sports on social:
Twitter: https://x.com/HurrdatSports
Instagram: https://www.instagram.com/hurrdatsports/
Facebook: https://www.facebook.com/HurrdatSports

About Hurrdat Sports Live: Join Ravi Lulla and Damon Benning each weekday from 7-10 A.M. on Hurrdat Sports Live. Hurrdat Sports Live dives int the latest sports news in the state of Nebraska, and shares a fresh perspective while keeping you highly entertained. Whether you’re in your car, at home, or at the office, you can enjoy Hurrdat Sports Live wherever you are!

Hurrdat Sports is a digital production platform dedicated to the new wave of sports media. From podcasting to video interviews along with live events and entertainment, we’re here to change how you consume sports. Find us online at Hurrdatsports.com

#NebraskaFootball #NebraskaCornhuskers #Huskers #Nebraska #CollegeFootball #NCAAFootball

The Annual Debt Review Awards 2025 was held on October 24th 2025 in Ballito, KZN.

Here are some of the highlights from the day.

For info about the Awards head to: www.debtrviewawards.co.za
________________________________________________________________
Music Credits:
Swing Rabbit! Swing! by Amarià / amariamusique Creative Commons — Attribution 3.0 Unported — CC BY 3.0
Free Download / Stream: https://bit.ly/al-swing-rabbit-swing
Music promoted by Audio Library

2nd Channel @ZacV2
My TikTok https://www.tiktok.com/@zacrios?_t=ZT-90LyuVCSxLr&_r=1

Chapters
0:00 Subscribe!
0:51 Debt Breakdown
3:24 Credit Card Statement
4:50 How I Got Into Debt
6:03 Gotcha Games
7:39 $7,000 In Debt From Food
9:14 $70,000 In Debt
10:35 Vacations
12:51 Minimum Payments
15:29 Comment
15:44 Back In Debt After Bankruptcy
17:29 Comment
18:09 “Free Money”
19:48 Declining Credit Scores
20:36 Payday Loans
22:00 Comment
22:35 Deadbeat
24:07 $1,200 Car Payment
26:03 Regret
27:37 Not Normal

#money #finance #debt

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Disclaimer- Some contents are used for educational purpose under fair use. Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. All credit for copyright materiel used in video goes to respected owner.

Join us at the DCASA Conference 2025, where debt counsellors, industry leaders, and stakeholders came together to reimagine the future of debt counselling in South Africa. watch full episode@IntuitiveDiscussions

#August2025 #studentloans #financialfreedom #laidoff

In this video, I am going over me and my husband’s student loan payoff journey for August 2025. www.vertex42.com

Timestamp:
0:00 Intro
6:30 Debt Payoff Progress
26:15 Debt Coloring Sheet
30:38 Debt Reduction Calculator

HECK OUT MY LATEST BLOGS:

????”The Benefits of Using Cash in a Digital World: Why Cash Still Works for Your Budget”
https://paperbymoe.com/blogs/moeintroduction/the-benefits-of-using-cash-in-a-digital-world-why-cash-still-works-for-your-budget

????Economic Uncertainty & Consumer Caution: How To Protect Your Finances in 2025
https://paperbymoe.com/blogs/moeintroduction/economic-uncertainty-consumer-caution-how-to-protect-your-finances-in-2025

???? How to Use Education and Skills to Leverage Your Resume (and Stay Marketable in an Uncertain Economy
https://paperbymoe.com/blogs/moeintroduction/how-to-use-education-and-skills-to-leverage-your-resume-and-stay-marketable-in-an-uncertain-economy

???? Budgeting for Household Essentials (Without Overspending) ?????
https://paperbymoe.com/blogs/moeintroduction/budgeting-for-household-essentials-without-overspending-%E2%9C%A8

????10 Daily Habits of Financially Disciplined People:
https://paperbymoe.com/blogs/moeintroduction/%F0%9F%92%A1-10-daily-habits-of-financially-disciplined-people

???? How to Stay Focused on Your Money Goals When Life Gets Hard: https://paperbymoe.com/blogs/moeintroduction/%F0%9F%92%A1-how-to-stay-focused-on-your-money-goals-when-life-gets-hard

???? When Money Changes the Vibe: How Finances Impact Your Relationships, Habits & Values : https://paperbymoe.com/blogs/moeintroduction/%F0%9F%92%B8-when-money-changes-the-vibe-how-finances-impact-your-relationships-habits-values

????”Mid-Year Money Check: How I Plan My Finances (And How You Can Too) ?????”
https://paperbymoe.com/blogs/moeintroduction/mid-year-money-check-how-i-plan-my-finances-and-how-you-can-too-%F0%9F%92%B0%E2%9C%A8

????”From Paycheck to Progress: Smart Money Habits That Work from Broke to Comfortable ????”
https://paperbymoe.com/blogs/moeintroduction/%F0%9F%92%B8-how-i-use-sinking-funds-while-paying-off-debt-yes-you-still-can

????”Why I Track My Student Loan Debt With Pen & Paper”: https://paperbymoe.com/blogs/moeintroduction/%F0%9F%93%9A-why-i-track-my-student-loan-debt-with-pen-and-paper-and-how-it-helped-me-pay-off-over-47-000

????”Should You Pay Off Debt If Your Job Isn’t Secure? Here’s What to Do Instead” : https://paperbymoe.com/blogs/moeintroduction/should-you-pay-off-debt-if-your-job-isnt-secure-heres-what-to-do-instead

????”Zero-Based Budgeting vs. 50/30/20 Rule: Which One is Best?” https://paperbymoe.com/blogs/moeintroduction/zero-based-budgeting-vs-50-30-20-rule-which-one-is-best

????”Cut the Cycle: End the Paycheck to Paycheck” Lifestylehttps://paperbymoe.com/blogs/moeintroduction/stop-living-paycheck-to-paycheck

2025 BINGO: https://paperbymoe.com/products/2025-bingo-card

Thank you for watching!

I hope you all enjoy this video & watching my financial freedom journey. I budget my money using the zero based budget method.

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FYI: I am not a financial advisor. Everything I state is from my experiences and they are my opinions. If you would like more detailed information and assistance with your finances, please contact a Financial advisor.

#financialfreedom #savings #sidehustle #money #zerobasedbudget #millionairemindset #roadtodebtfreedom #studentloans #paychecktopaycheck
#2022budget #debt #lowincome #cashenvelope #cashstuffing #lowincome #studentloans #debtpayoff

Explore our top picks for the best debt consolidation loans. Compare lenders, rates, and options to save money and pay off debt faster.

Want to lower interest payments and get out of debt faster?
?? Soft credit check only (no impact to your score)
?? Compare up to 40 loan offers with one application
?? Find the right personal loan or debt consolidation loan for you
???? Apply today and take the first step toward debt freedom!
https://theyukonproject.com/product-comparison/compare-personal-loans/?swcfpc=1

Website: https://theyukonproject.com

Pay Off Credit Card Debt Faster | Our Free Payoff Calculator
https://theyukonproject.com/debt-payoff-calculator/

00:00 – Benefits of consolidating your debt
00:45 – Best for Fair Credit
01:16 – Best for Approval Options
01:42 – Best for Securing the Loan
02:11 – Best Bank Consolidation Loan
02:49 – Best for Good Credit
03:20 – Best for High Debt
03:52 – Best for Consolidation Options
04:23 – Honorable Mention
04:55 – A secret about consolidating your debt
05:15 – Join our effort to save Americans $100 million a month
06:03 – Like and subscribe

Our Picks for Best Debt Consolidation Loans
Consolidating debt can be one of the smartest financial moves you make—if done correctly. By rolling multiple high-interest debts like credit cards, medical bills, or personal loans into a single loan with a lower interest rate, you can save money, simplify payments, and pay off debt faster. While it may feel like “trading one debt for another,” the key benefits are securing a lower APR, choosing a manageable repayment term, and staying disciplined with your payoff strategy.
Not all lenders are equal, and not every debt consolidation company delivers on its promises. We’ve researched nearly 100 lenders to find the best consolidation loan providers across different borrower needs.

Best Debt Consolidation Loan Providers

Best for Fair Credit: LendingClub
LendingClub is a trusted name in the personal loan industry. With APRs starting as low as 7.04%, they may approve borrowers with credit scores as low as 600. Lending amounts start at $1,000, making them ideal for tackling smaller credit card balances before they spiral out of control.

Best for Approval Options: Achieve
Achieve is a strong choice for borrowers with less-than-perfect credit. They focus on loans above $5,000 and provide flexible approval tools, such as adding a co-borrower or using home equity as collateral. These options can significantly improve your chances of approval.

Best for Secured Options: Best Egg
Best Egg offers APRs from 6.99% to 35.99% with loans between $2,000 and $50,000. Unique to Best Egg, you can secure a loan with fixtures in your home rather than the home itself, offering a balance between unsecured and fully secured lending.

Best Bank Option: Citi
Unlike many banks, Citi will pay creditors directly, ensuring your consolidation is seamless. With no origination, late, or NSF fees and APRs from 7.99% to 19.49%, they’re one of the most competitive bank lenders. Expect to need a credit score above 670 for approval.

Best for Good Credit: Happy Money
Happy Money partners with credit unions to offer their “Payoff Loan,” designed specifically for credit card debt. With APRs ranging 7.85% to 29.99% and loan amounts from $5,000 to $40,000, they provide strong offers to borrowers with Good to Excellent credit.

Best for Large Balances: SoFi
If you’re consolidating a heavy debt load, SoFi is an excellent pick. They lend from $5,000 to $100,000 and provide multiple repayment options, often with no origination fees. For maximum savings, choose the shortest loan term you can comfortably afford.

Best for Flexible Consolidation: Discover
Known for credit cards, Discover also offers personal loans and a 0% balance transfer APR for 15 months. If you aggressively pay off your debt during the promotional window, this option can save you thousands in interest.

Honorable Mention: Upgrade
Upgrade lends from $1,000 to $50,000 with APRs between 8.49% and 35.99%. They accept credit scores as low as 620 and offer secured loan options, making them a flexible choice for average borrowers.

The Secret to Smart Debt Consolidation
Debt consolidation is only worth it if you secure a lower interest rate, a shorter repayment term, or both. Otherwise, you’re just shuffling debt around.

At The Yukon Project, our mission is to help Americans save $100 million a month on loan interest. Our marketplace makes comparison easy: apply once, and we’ll check rates with up to 40 lenders using a soft credit check—meaning no impact on your score. You’ll see approved offers side by side so you can pick the best fit.

#DebtConsolidation #PersonalLoans #PayOffDebt #CreditCardDebt #LoanOptions #SoFi #LendingClub #Discover #FinancialFreedom #HappyMoney #BestEgg #DebtFreeJourney

Are you struggling with debt in South Africa? You’re not alone.
In this video, we explain what debt review is, who qualifies, and how the process works — step by step. Debt review (also called debt counselling) is a legal way to restructure your debt and get protection from creditors, repossession, and court action.

I will also cover:
• The role of a registered debt counsellor
• How you’re protected under the National Credit Act
• How debt review can help you become debt-free

? Need help with your debt? Visit www.debtwipe.co.za or email jacques@debtwipe.co.za

???? Contact us directly via WhatsApp: 073 285 4196

???? Like, comment, and subscribe for more practical advice on debt solutions in South Africa.