Payoff Member Trisha B. shares why she feels empowered while she pays down her debt.

At Payoff, we invite our Members to share their stories with us not only so we can keep improving our services, but also so you can read other people’s stories about paying off debt.

Our Member Trisha B. recently shared her debt story with us. She talked about what financial wellness means to her and how she’ll feel when she and her husband finally achieve debt freedom.

Payoff: How did you hear about Payoff and what made you want to apply?
Trisha: [I] saw an ad on Credit Karma, did some research and was interested in the company. I felt they could help me meet my goals. From the time I first heard of Payoff, through my research, application and loan funding, my life literally changed for the better — in about five days. Five days.

At the beginning of the month, I had $25,000 in credit card debt, was paying approximately $1,000 per month in payments, with no clear end in sight. And now, just a few short days later, I have a single loan, saving me $400 per month, and a definitive 36[-month] term payoff. That’s right, 36 months. I will be debt-free in 36 months. No more working to pay for credit cards — hello, early retirement! Thank you, Payoff, for empowering me to make this change!

What do you think sets Payoff apart from other companies in the industry?
Everything about Payoff is refreshing. I’ve been in the financial/debt collection industry for 20 years — I’ve seen it all. What not to do, etc., and yet, I have debt. I’m current, I’ve paid all my bills on time, but I have a lot of debt, and no matter how I tried, I wasn’t getting ahead.

Then came Payoff. With their transparency, their honesty and their respect, they are truly breaking the glass ceiling in the world of financial well-being and debt management. They use the word “empower” in almost every piece of communication, written or verbal, and it’s not just tossed around lightly. They are standing behind what they’re selling.

“[Payoff is] empowering consumers to do their research, to make sure that this isn’t some ‘quick fix’ but rather a long-term solution to a debt-consumed world.”

They give you all of the tools necessary to empower you to take control of your debt situation. From the completely stellar [Member Advocates], to the financial tools to make sure the loan is right for you, and the follow through to ensure that you’re meeting your goals. They are empowering consumers to do their research, to make sure that this isn’t some “quick fix” but rather a long-term solution to a debt-consumed world. It’s amazing to say the least.

It’s refreshing to be empowered by a team that treats you with the dignity and respect that every human being deserves. We’re more than just a number — we’re people, and Payoff uses that, they get to know you, the person, not just the number.

And they make it easy for a person to get things done. It’s not a time-consuming application process. It’s not mail this, sign this, commit to this, etc. It’s respect and convenience. They appreciate that we’re a busy society. We have things to do, places to be, and they work with you. From electronic documents and phone interviews, they go above and beyond to make the process as pleasurable as it can be.

“[Payoff] appreciates that we’re a busy society. We have things to do, places to be, and they work with you.”

This isn’t a company with a stuffy, rich, suited-up man sitting at a desk and judging you as he gives you a bunch of papers to sign away your firstborn. It’s a “real” company, with “real” employees, where everyone is respected and all of that comes through in everything they do.

What is your Payoff financial personality and do you feel like it describes you well?
I’m The Ambassador — and wow, it could not be any more spot-on. It’s creepy how perfect the explanation was. [Editor’s Note: No, not creepy. It’s science!]

Has your husband taken the Financial Personality Quiz and has knowing both of your financial personalities been beneficial?
My husband is The Spark and as funny as that sounds, he is. And we’re pretty opposite when it comes to financial matters, [so learning our financial personalities] was eye opening — and will help us work together on our strengths and weaknesses.

What does financial wellness mean to you and what does that look like in your life?
It means being comfortable with where we are, not stressing week to week over a paycheck and having enough.

Why is becoming debt-free important to you and how will that help you pursue your dreams?
I want to work to live, not live to work. Right now, we’re basically living to pay debt. We have a great life, but we’re tied down with the burden of credit card debt — the “new life” debt that we’ve been working so hard to pay off.

“I want to work to live, not live to work.”

From our wedding to the new house, it’s just built up over the years, and here we are, in the prime of our lives — we want to enjoy it. We want to enjoy retirement (early), and we want the freedom to “do” instead of “have” things. We have everything we need, now it’s time to focus on all of the adventures to be had.

Thank you for sharing your story, Trisha. We can’t wait to hear more about your adventures yet to come!

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