Talk to a certified debt consultant800-910-0065

We use and allow cookies and similar tools on our websites to enable essential functionalities and to better understand how visitors use our site (including use of session replay technology), as well as for personalization, social media features, and advertising. Read our privacy policy to learn more. By closing this box or by your continued use of our sites, you accept such use.

Read our privacy policy to learn more. By closing this box or by your continued use of our sites, you accept such use.

Kat Tretina

Writer

Kat Tretina is a personal finance writer and certified student loan counselor based in Orlando, Florida. Dedicated to helping people build a solid financial foundation, she has written about debt repayment, investing, and insurance—including pet, life and car insurance —for major publications. Her work has been published by The Huffington Post, Business Insider, Credit Karma, and more.

Deep in debt, borrowers are cutting back but still struggling

October 1, 2026

A Freedom Debt Relief survey reveals that borrowers are looking for more than lower rates. They’re seeking stress relief and a clear path forward.