The debt payoff app forfirefighters, police, EMTs, and paramedics.
No loans. No settlement. No credit pull. Built for 24/48s, rotating shifts, and OT-spike paychecks.
You are not alone
Debt help for firefighters, police, EMTs, and paramedics
Long shifts, variable overtime, and lower-than-expected base pay make budgeting harder than the public assumes. The numbers say a lot of departments are quietly carrying serious financial stress.
75%
of full-time U.S. employees report financial stress. Healthcare and public-service workers report some of the highest rates.
Source: PwC Employee Financial Wellness Survey
~$40K
is the typical median pay for EMTs and paramedics, the lowest in emergency services, and frequently supplemented with overtime or a second job.
Source: U.S. Bureau of Labor Statistics
~1 in 3
first responders report working a second job or significant off-duty hours to keep up with monthly bills, depending on agency and region.
Source: IAFF / IACP labor surveys
Stats reflect publicly reported survey ranges from the cited sources and may vary year to year. We share them to set context, not to make medical or financial claims about you specifically.
How Debt Driver works
A clear path from where you are now to debt-free in three steps.
Share your story
Answer a few quick questions about your debts, income, and goals. No bank linking required.
Get your roadmap
See your personalized payoff plan, recommended strategy (snowball or avalanche), and your debt-free date.
Take action weekly
Follow short weekly steps. Watch your balances drop. Hit milestones. Get out of debt.
Pick the right tool for the job
Debt Driver is built for one job: getting you out of debt as fast as possible.
Debt Driver
Debt Driver is great if you want to…
- Pay off your debt without taking on a new loan or hard credit pull
- See exactly which debt to attack first and your real debt-free date
- Handle federal student loans in forbearance or deferment without breaking the math
- Use it on your own (no agency benefits team or HR portal required)
Why first responders choose Debt Driver
The differences that matter when your paycheck swings with overtime and the shift schedule never sits still.
Snowball or avalanche, picked for you
Debt Driver runs both the snowball and the avalanche on your real numbers and recommends the one that fits your goal.
Built for 24/48s, rotating shifts, and OT
Log extra payments any time a strong OT stretch hits, and see how a single 24-hour pickup moves your debt-free date.
Forbearance + deferment, handled right
Chasing PSLF or on an income-driven plan? Add paused federal loans with their wake-up date and Debt Driver keeps the math correct.
No conflict of interest
We don’t lend, settle, or counsel. Our only job is helping you get out of debt and stay out of it.
Your personal command center
Everything in one dashboard.
Your debts, progress, and weekly tasks.
Good morning, Evelyn!
This Week's Tasks
Stay on track with personalized weekly steps designed for you
The difference a plan makes
Most people overpay thousands. See how a smarter approach could help.
David, 38
Total Debt: $53,200
No Plan
17.5
years to pay off
Optimized Plan
10.2
years to pay off
0.0 yrs years
Faster Payoff
$0
Interest Saved
Based on optimized payment ordering with no additional monthly payments.
Marcus, 41
Total Debt: $41,800
No Plan
14.1
years to pay off
Optimized Plan
8.3
years to pay off
0.0 yrs years
Faster Payoff
$0
Interest Saved
Based on optimized payment ordering with no additional monthly payments.
Sarah, 32
Total Debt: $27,400
No Plan
9.2
years to pay off
Optimized Plan
5.8
years to pay off
0.0 yrs years
Faster Payoff
$0
Interest Saved
Based on optimized payment ordering with no additional monthly payments.
Jessica, 27
Total Debt: $18,600
No Plan
6.7
years to pay off
Optimized Plan
3.9
years to pay off
0.0 yrs years
Faster Payoff
$0
Interest Saved
Based on optimized payment ordering with no additional monthly payments.
Priya, 24
Total Debt: $12,900
No Plan
4.8
years to pay off
Optimized Plan
2.6
years to pay off
0.0 yrs years
Faster Payoff
$0
Interest Saved
Based on optimized payment ordering with no additional monthly payments.
Average savings in these scenarios: $7,880 in interest
1 of 5
Individual results vary based on debt amounts, interest rates, payment behavior, and other factors.
Frequently asked questions
Quick answers about how Debt Driver works and how it differs from other tools.
Pay off debt without picking up another loan.
See your exact payoff plan in 2 minutes. No credit pull. No agency partnership required. No new loan.
Get My Free Personalized Plan →