Find Your Best Debt Relief Option
Different situations need different solutions. We compared the top providers so you don’t have to.How to Find My Loan Match: Step-by-Step
Find your situation below → click the provider that fits → get a free consultation. No commitment required.National Debt Relief
Best for most people with $7,500–$100,000 in credit card or medical debt. A+ BBB rating, no upfront fees, settles in 24–48 months on average.15–25%
Typical settlement fee
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Freedom Debt Relief
Best for larger debt loads $25,000+. Longest track record in the industry — resolved over $20 billion in debt since 2002.24–48 mo
Avg. program length
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LendingTree
Compare personal loan offers from 300+ lenders. Best if you have decent credit and want to consolidate into one lower monthly payment.5 min
To see your rates
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Find Your Best Debt Solution in 60 Seconds
Free Toolkit
Get the free DebtRoute toolkit — calculators, checklists, and step-by-step plans to cut debt faster.
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Answer 4 quick questions and we’ll match you with the debt relief option most likely to work for your specific situation — based on your debt amount, credit score, and income stability.
1. How much unsecured debt do you have? (credit cards, medical bills, personal loans)
Which Debt Solution Is Right for You?
| Solution | Best If | Credit Score | Debt Range |
|---|---|---|---|
| Consolidation Loan | Can afford payments, want lower rate | 580+ | $2K–$50K |
| Debt Settlement | Can’t make minimums, significant hardship | Any | $7,500+ at major firms |
| DMP (Nonprofit) | Steady income, multiple credit cards | Any | $3K–$30K |
| Bankruptcy | All other options exhausted | Any | Any |
Free Toolkit
Get the free DebtRoute toolkit — calculators, checklists, and step-by-step plans to cut debt faster.
No spam. Unsubscribe anytime.
Frequently Asked Questions
How do I know which debt relief option is best for me?
The best option depends on three factors: (1) your debt amount — major settlement companies typically require $7,500 or more in unsecured debt, (2) your credit score — consolidation loan minimums vary by lender, (3) your cash flow — if you genuinely cannot make minimum payments, settlement or bankruptcy may be more appropriate than consolidation. A free consultation with an ACDR member company can review your specific numbers.
Will any debt relief option hurt my credit?
Impact varies: Consolidation loans have minimal impact (soft pull for rate check). Debt Management Plans are credit-neutral. Debt settlement causes significant damage (accounts become delinquent). Bankruptcy is most severe (remains 7–10 years). Weigh short-term credit damage against long-term financial relief when making this decision.