We Don’t Just Track Debt.
We Help you Reduce it,
Faster. Erase it..

Get a plan, stay on track, and become eligible for surprise debt reduction. No purchase necessary.

How to Qualify

Follow these simple steps!

Become an OFU User

Link Financial Accounts

Connect your bank accounts securely through Plaid.

Have At least
1 Active Debt

Have at least one debt being tracked in the app.

Make Payments

Make at least one debt payment this month.

4.9 Ratings

Finally clear of my debt.

Sarah T, App Store

Loved this help thanks Chip!

Lainey Hayre, App Store

Refer a Friend

Get 5 bonus entries for every friend who joins and links an account.

Achieve a Milestone

Pay off 10% of any balance and earn 10 bonus entries automatically.

Check in with Chip Weekly

Chat with Chip each week to stay on track and earn entries just for showing up.

Every month, Chip, randomly selects one winner from the full pool of active, qualifying members — based on total entries earned.

Winners are announced on the 1st of every month and every selection is fully transparent and verified.

Imagine your debt totally gone. Download the app to enter.

Imagine getting support to help reduce your debt faster

No purchase necessary. Joining the list makes you eligible for launch updates and surprise debt relief notifications.