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Most Americans Are In Debt...But It Isn't Their Fault!

In 2025, Americans set a new record at $1.21 trillion in Consumer Credit Card debt. We as individuals can NOT sustain this. We MUST reverse it.

But how? No one tells us HOW to do this, so we do it wrong by remaining in the traditional banking structure and with in their system. 

We specialize in teaching you HOW! We teach the path to debt freedom, faster and more efficient then what the Banking System expects you to do.

We provide you with Choices...it is up to you to make the Changes! -Pay Down

About Us:

We are Pay Down Debt Solutions. A financial education team that teaches you how to become debt-free very, VERY fast if you follow the Pay Down strategy! We explore debt-relief options and Pay Down strategies to clear your obligations fast without losing more money than necessary to high-interest charges. Keep your money AND the life you are accustomed to!

We come to you with experience and a banking and financial background. Jen was in banking for over 13 years before becoming a business owner. Dan has a masters degree in Business and has owned multiple companies over the years.

It is FINALLY Here!

The Pay Down Course!

We are happy to announce the launch of our COURSE!
It is our great pleasure to bring you our course and App! It has taken months and many iterations, but we finally have it complete for all to enjoy.

We are proud to bring you Velocity Banking in its simplest form!

 All the material you need from A to Z right at your fingertips, from the comfort of your home, at YOUR pace! 
No more mental calculations, the App takes care of all that for you. Ditch the Traditional Banking System for good! Adopt a NEW way. Establish a NEW banking normal...one that will keep you debt free!

Dan, teaching a student the Pay Down Strategy!

Meet Dan!

Dan is a mechanical engineer and has a master's degree in Business. He has owned multiple businesses over the years, and brings  his business expertise to both individuals and business owners. 

He has an extensive math background and has written the code and programming for the apps and the spreadsheets that they use to help Velocity Banking students gain their financial freedom.

Meet Jen!

Jen is a business owner and entrepreneur. She comes from a banking background where she has been a Personal Banker, Business Banker and a Branch Manager. 

She has held licenses such as a Series 6 and Life and Health Insurance. Jen has extensive knowledge of the banking products and services sold by the banks. 

This makes her the perfect person to bring Velocity Banking to all who want to learn this unique and powerful interest saving, debt freeing strategy!

Jen as she instructs during a client video call.

PAY DOWN offers simple solutions.

Debt is on the rise. Most Americans feeling the stress and pressure of bills that keep adding up and payments that never go down. These payments are never-ending and feel like an anchor around your neck. We are taught to make payments and that debt is simply a way of life...but it doesn't have to be!

There are many different methods to paying down debt, but NONE of them make logical sense the way velocity banking does.

PAY DOWN is velocity banking through the debt instruments you already have. When you learn the simple strategy we employ, you will finally regain control of your finances.

Our goal is to help you become debt-free while living the lifestyle you are accustomed to. No one at Pay Down will make you feel like you need to get a second job, file for bankruptcy or shame you for the position you find yourself in.

This image was taken from www.uscourts.gov

You've Got This...And We Have Your Back!

Whether your income is 2,000 a month or 20,000 a month, the fact is...many people have zero cash flow. Many do not have 3-6 months sitting in the bank for emergencies, and we teach that YOU DON'T NEED TO!

 We know firsthand what it is like to live paycheck to paycheck while trying to live your life or run a successful business. We know because we speak to you from experience. We have been in your shoes, and we got ourselves out. We moved on to freedom from the stress of debt and the possibility of bankruptcy. 

We Teach The PAY DOWN Strategy. This is Velocity Banking.

Whether you are in debt living from paycheck to paycheck or have debt hanging over your head that you want to eliminate...We have you covered. Many Americans are drowning in debt and trying to stay afloat. A quote from www.uscourts.gov sum's up the statistics, "According to statistics released by the Administrative Office of the U.S. Courts, annual bankruptcy filings totaled 452,990 in the year ending December 2023, compared with 387,721 cases in the previous year."

Our Services:

45 Minute 1 on 1 Coaching- $197 Per Session

Fill out our Debit and Credit sheets so we have a full financial picture of your financial picture, and we will build your Velocity Banking Plan using the Pay Down Strategy. Our 3-Step Strategy is easy to follow and easy to implement with our coaching.
 We will get you on track with a financial plan. Our goal is to do this WITHOUT you needing to file for bankruptcy or pay a Debt Consolidation company to RUIN your credit!

Email us at: info@paydowndebtsolutions.com
Start your road to financial freedom TODAY!
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Workshop Group Coaching- $100 Per Session

Fill out our Income and Debt sheets and bring them to the workshop. We will answer your questions about Velocity Banking and help you create a strategy to get debt-free. This is a small group setting where our goal is to give you a chance to learn from others in a similar situation while getting help from us. A group workshop is an excellent way to get your questions answered and be supported as you develop your plan!

Email us at: info@paydowndebtsolutions.com
Start your road to financial freedom TODAY!

What You Don't Know CAN Hurt Your Credit! Let Us Show You How To End The Debt Cycle!

People come to us daily asking if they should use a debt consolidation company to help them settle their debts. The answer to this is a resounding NO! We can show you a better way to get out of debt and keep your credit from further damage. 

Once you sign up with a consolidation program your credit will be ruined by that company, if it isn't ruined already. We can help before you try the debt consolidation program. Once you enter their programs, we are limited to what we can do for you. 

YOU DON'T NEED TO DO THIS! Let PAY DOWN help you first. Let us show you how to work down your debt, and become free from the burden of interest. YOU CAN get yourself out of debt faster and with much less interest paid to the banks by following our Strategy.  We can help you, help yourself, without the fees associated with a debt consolidation company.

This image was taken from www.uscourts.gov

What You Don't Know Is Causing You To Pay More Interest.

At Pay Down Debt Solutions, we provide you with the knowledge to take back your finances. We show you how to do this with a simple 3-step Strategy.
  • Organize: You learn how to use our Debt sheet to organize your debt obligations. You Must Know What You Owe!
  • Identify: You will learn how to IDENTIFY the correct PAY DOWN strategy for your personal situation.
  • Implement: We show you how to Implement the Pay Down Strategy using a simple to use Spread Sheet.

We Teach You A Unique, Highly Effective Debt Solution!

Watch us on YouTube! We teach you what you NEED to know about your finances and the banking industry. Banks are not teaching us how to use the tools they sell us. Yes they sell!

  Using A Tool You Probably Already Have...
Our mission is to teach YOU to get yourself out of debt for good, watch and learn the Pay Down Strategy!
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Disclaimer: Pay Down Debt Solutions and its affiliates do not provide financial, tax, legal, or accounting advice. The information provided on this site is presented for informational/educational purposes only. We are NOT Financial Advisors. We are financial lifestyle coaches who teach alternative banking strategies through personal experience. Individual results and/or success depend primarily on your own effort, motivation, commitment and follow-through. We cannot and do not guarantee that you will attain a particular result within a specific period of time. We can only estimate time frames based on the information you provide and our own personal experience.
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Disclaimer: Pay Down Debt Solutions and its affiliates do not provide financial, tax, legal, or accounting advice. 
The information provided on this site is presented for information/educational purposes only.