Spare change with a job
Stop debt with money you already spend.
Give them your change — not your peace of mind. Point your everyday card round-ups at your own debt and take back control. Same spare change. New job.
The debt machine, by the numbers.
It's not just you. Debt in America is structural — and built to keep you paying. Every figure below is sourced; hover any stat to check it.
Sources: Federal Reserve Bank of New York · Federal Reserve G.19 · CFPB · Urban Institute.
You pay with change. We make the calls.
Turn the tables on the collectors.
For years, they called you. Now we call them. With your signed authorization, Von der Becke Academy Corp contacts, negotiates, and works to settle the debts you enroll — so you can take control without the stress.
We field the calls
The harassing calls and letters come to us — not you. You stop dreading the phone.
We negotiate for you
Trained advocates contact your creditors to discuss and seek to settle what you owe.
You stay in control
Watch your contribution climb on your dashboard. Revoke anytime. No new spending — just your change.
Don't hide from debt anymore. Face it with momentum.
The same round-ups that could fund healthcare can fund yourfreedom instead. Here's how it works.
Link your card
We watch the spare change you're already leaving behind — no new budget, no new spending.
Every purchase rounds up
A $4.30 coffee becomes $5.00. That $0.50-on-average goes to work — aimed at your debt.
We track your contribution
Every dollar you put in is recorded on your profile and earmarked 100% toward settling your debts.
We go to work for you
With your signed authorization, Von der Becke Academy Corp can contact, discuss, and negotiate your enrolled debts.
You take control
Watch the number climb. This is money you already spent — now it's a plan to get free.
Switch back anytime
Once you're debt-free, flip your round-ups to the healthcare mission from your settings.
Same simple round-ups — pointed at you.
What stays the same
- The same effortless round-up collection on your everyday spending.
- The same voluntary $1,000/year commitment idea — most members reach it through normal spending.
- The same transparency: every dollar tracked and shown on your dashboard.
What's different
- Your contribution is earmarked 100% toward your own debt instead of the healthcare pool.
- The RallyUp care benefit is paused while you're on this path.
- You choose this path at sign-up and can switch in settings — for example, after you're debt-free.
One quick, revocable authorization.
To talk to your creditors on your behalf, you e-sign a short Limited Authorization letting Von der Becke Academy Corp contact, discuss, negotiate, and seek to settle the debts you enroll. It's a limited authorization for conversation — it doesn't assign your debts or touch your accounts beyond the round-ups you've authorized, and you can revoke it anytime.
Please read the fine print. RallyUp is rolling out and not yet fully integrated. The debt-free path and its authorization document are working drafts, do not guarantee any reduction, settlement, timeline, or outcome, and are not legal, tax, or financial advice. See our Terms (Debt-Free Path) before enrolling.
Our bigger mission
The same spare change can fix American healthcare.
Getting debt-free is what you can do today. Our long-term mission is bigger: the same round-up movement can fund debt-free doctors and comprehensive primary care for every American — $68.6B a year hiding in spare change. It takes time to build, but the math already works.
Your spare change has a new job.
Stop hiding. Start chipping away — with money you were spending anyway.