Life keeps moving, but debt has a way of keeping you stuck in the same place. If you’re carrying $20,000 in credit card or loan debt, you’ve probably been doing everything you can just to keep up - not get ahead. One Payment Plan helps Americans connect with federally regulated programs designed to make debt workable again. Not a new loan. Not a quick fix that doesn't last long term. Just a smarter structure that finally gives you room to breathe. These programs can help you: ✅ Reduce what you o