Crush Your Debt.
Reclaim Your Freedom.
Break free from high-interest debt. Talk to a dedicated veteran banker about rolling what you owe into one clear, manageable payment — no rate promises up front, just a real conversation about your real options.
The Math Isn't Working
The Debt Trap.
You served your country. Now you're paying hundreds a month in interest alone while the principal barely budges — across multiple cards, medical bills, and personal loans.
Average credit card APR crushing your budget
Average monthly minimum payments
To pay off at minimum payments
Run The Numbers
See an Example.
An illustrative example only — not a rate quote or offer of credit. Your actual terms depend on the lender you're matched with and your own financial picture.
How It Works
Simple 3-Step Process.
A form, a real conversation, a straight answer. No instant-approval theater — just a veteran banker and your actual options.
Tell Us Your Situation
A quick form — no credit pull, no obligation. Just enough for a real banker to understand what you're dealing with.
Talk to a Real Banker
A dedicated veteran banker calls you, walks through your actual debts, and lays out real options — not a scripted sales pitch.
Decide What's Right For You
If consolidation makes sense for your situation, your banker walks you through real next steps and real terms. No pressure if it doesn't.
No Contest
VAB vs. Everyone Else.
Credit Cards
- ✕19.5% average APR
- ✕Multiple payments
- ✕Variable rates
- ✕No personal support
VAB
- ✓One simple payment, if you consolidate
- ✓A real banker walks you through real options
- ✓No cost, no obligation to talk
- ✓Dedicated veteran point of contact
Other Banks
- —12% - 15% APR
- —One payment
- ✕Strict credit requirements
- ✕Automated service
Straight Answers
Frequently Asked Questions.
Frequently Asked Questions
Debt consolidation combines multiple high-interest debts (credit cards, personal loans, medical bills) into one loan with, ideally, a lower interest rate. It simplifies your monthly payments — but you still owe the full balance. It's not debt forgiveness and it's not debt settlement.
A loan, if you move forward — not settlement. Debt settlement is a different product where a company negotiates with your creditors to accept less than you owe, which usually tanks your credit in the process. VAB doesn't do that. This page connects you with a veteran banker to talk through consolidating what you owe, at real terms a lender is willing to offer you — not a promise to reduce your balance.
That depends entirely on your current rates, balances, and what a lender ultimately offers you — we're not going to invent a number that may not apply to your situation. Use the calculator above for an illustrative example, then talk to a banker about your real numbers.
We don't publish a hard cutoff, because there isn't a single funded VAB loan product with fixed criteria yet. A veteran banker looks at your full financial picture before telling you what's realistic. If consolidation isn't a fit for you right now, they'll say so — not string you along.
Submitting the form takes a few minutes. A dedicated veteran banker follows up to talk through your situation and whatever options are actually available to you. There's no instant online approval here, and we're not going to pretend there is.
No — submitting this form is just information for a banker to call you, and doesn't involve a credit pull. If you later move forward with an actual loan application through a lender, that lender will walk you through any credit impact before you apply.
It goes to a real person — a veteran banker, not a call center script or an automated decision engine. They review what you shared and reach out to talk through your actual options. No obligation, and no pressure to sign anything on that call.
Concierge Support
Beyond the Loan.
Consolidation is the start — support is what keeps you debt-free.
Dedicated Veteran Banker
A real person who helps you understand options and stay on track.
One Predictable Payment
Fixed terms and clear monthly payments to simplify your budget.
Credit Rebuild Guidance
Paying down balances and reducing utilization can help improve your score over time.
Practical Financial Education
Simple habits and planning tools designed for military life and transitions.
Who It's For
Who This Is For.
If you're juggling multiple high-interest debts, this is designed for you.
Credit Card Balances
Roll multiple cards into one structured payoff plan.
Personal Loans
Simplify payments and potentially lower your overall APR.
Medical Bills
Create predictability when expenses hit unexpectedly.
Ready to Break Free from Debt?
Talk to a dedicated veteran banker about getting your debt under control — no pressure, no obligation.
* APR = Annual Percentage Rate. The calculator above uses an illustrative example rate for comparison purposes only — it is not a quote, a rate lock, or an offer of credit. Submitting the form on this page connects you with a dedicated veteran banker to discuss your options; it is not a loan application. Any actual loan's rate, amount, and term are set by the lender you're ultimately matched with and are subject to that lender's credit approval. Rates and terms, if any are offered, are subject to change without notice. The Veteran Alliance is an Equal Housing Lender.