01
Reads every card.
Every rate, every minimum, every balance, in one place. The order is calculated, not guessed.
- Maps every APR across cards and loans
- Uses your real cash flow, not a generic rule
- Adapts every week if anything changes
Meet Marcus. Your debt strategist.
Marcus reads every card you owe. Picks the one to pay first. Tells you the move every Monday.
How Marcus gets you out.
Three moves. One every Monday. Sized to the paycheck you actually got.
02
Picks the fastest payoff.
Snowball, avalanche, or a mix. Marcus picks whatever clears the debt fastest from the money you actually have.
- Pure-math fastest payoff by default
- Switch to snowball with one tap
- Hybrid mode for irregular income
03
Refinance only if it helps.
Marcus shows the offers you would be approved for, side by side with your current cards. Soft pull only.
- Pre-qualified using verified payroll income
- Soft pull only. Never hurts your score.
- Side-by-side: keep current vs consolidate, in dollars
Direct. Math-first. Been there.
Every Monday, one clear action. Sized to your paycheck. Built from your real numbers.
Paid off $9k
Every rate mapped, fastest order. Knocked out my cards in eight months.
Emily Chen
Data Analyst
Saved $94/mo
MyTruv told me to refinance. Approved in four days.
Marcus Webb
Operations Lead
+$2k Raise
Underpaid by 15%. Used the data to negotiate. Never would have known.
Mike Rodriguez
Software Engineer
+$18k Runway
Built six months of cash runway in under a year.
Daniel Lee
Consultant
Saved $1,200+
Double-charged gym and three forgotten subscriptions, all in one list.
Jennifer Park
Marketing Manager
Cut $480/mo
Four overlapping cloud plans and an old meal kit. Gone in a weekend.
Priya Sharma
Product Designer
Questions &
Answers
Soft pulls only.
No. We show you which consolidation offers you would be approved for. You decide.
AI re-maps every week with your current numbers.
Yes. Federal and private, including income-driven repayment plans.
Yes for one bank + connected debt accounts.
Ready to work with Marcus?
Free plan, forever. No card needed. Pro is less than two coffees a month, with a 7-day trial.