/images/2018/01/23/navina-side-hustle-mid_MPfEDfV.jpg)
/images/2019/12/06/smart_strategies_to_save_money_on_car_insurance.jpg)
Debt & Credit Help
Take control of your debt before it controls you. Compare relief and payoff strategies, learn negotiation tactics, and discover programs to manage your debt.
Best of Debt & Credit Help
/images/2025/01/15/a_man_holds_his_credit_card.png)
/images/2025/01/15/a_man_smiles_while_holding_his_credit_card.png)
Popular Reviews
/images/2025/11/25/registered-trademark-horizontal.png)
4.7
National Debt Relief
-
No upfront fees1 <p>Clients who complete the program and settle all debts typically save around 45% before fees or 20% including fees over 24–48 months, based on enrolled debts. “Debt-free” applies only to enrolled credit cards, personal loans, and medical bills. Not mortgages, car loans, or other debts. Average program completion time is 24–48 months; not all debts are eligible, and results vary as not all clients complete the program due to factors like insufficient savings. We do not guarantee specific debt reductions or timelines, nor do we assume debt, make payments to creditors, or offer legal, tax, bankruptcy, or credit repair services. Consult a tax professional or attorney as needed. Services are not available in all states. Participation may adversely affect your credit rating or score. Nonpayment of debt may result in increased finance and other charges, collection efforts, or litigation. Read all program materials before enrolling. National Debt Relief’s fees are based on a percentage of enrolled debt. All communications may be recorded or monitored for quality assurance. In certain states, additional disclosures and licensing apply. ©️ 2009–2025 National Debt Relief LLC. National Debt Relief (NMLS #1250950, CA CFL Lic. No. 60DBO-70443) is located at 180 Maiden Lane, 28th Floor, New York, NY 10038. All rights reserved. <b><a href="https://www.nationaldebtrelief.com/licenses/">Click here</a></b> for additional state-specific disclosures and licensing information.</p>
-
One-on-one evaluation with a Certified Debt Specialist
-
For people with $30,000 in unsecured debts and up
/images/2018/09/04/credit-saint.png)
Credit Saint
-
Free consultation with no obligation
-
Challenges to the 3 credit bureaus
-
Score analysis and credit interventions
Latest in Debt & Credit Help
See More Articles →/images/2020/10/01/woman-throwing-paperwork.jpg)
Here's Why I Stopped Caring About Paying Off My Debt
/images/2022/09/19/credit_report_-_credit_cards_-_laptop.jpg)
What is Your Starting Credit Score and How Do You Build Credit?
/images/2018/03/13/why-im-broke-all-the-time_1200.jpg)
10 Reasons Why You’re Always Broke — and How to Fix Them
/images/2023/01/12/woman_holding_baby_and_looking_at_computer.jpg)
How to Find the Best Consolidation Loan Rates
/images/2019/07/31/couple-arguing-about-credit-score-and-debt.jpg)
Debt, Divorce, and Your Credit Score: What You Need to Know
/images/2019/10/13/how-i-paid-off-debt-while-saving-for-my-wedding-2.jpg)
Here's How We Crushed $30,000 in Debt (While Also Saving for a Wedding)
/images/2025/06/16/couple_paying_bills.png)
I Ruined My Credit: Here’s How I Fixed It
/images/2021/07/22/how-to-pay-off-debt.jpg)
How To Pay Off Debt in 2026: 6 Strategies + Tips for Avoiding More
/images/2024/07/29/how_to_get_rid_of_debt_featured_image.png)
/images/2021/07/22/how-to-pay-off-debt.jpg)