If you’ve been making payments for over a year and your balances still aren’t moving, a debt consolidation loan could be worth a serious look.

Pro Football Hall of Famer, Super Bowl Champion Coach and NFL Analyst Headlines New National Campaign as Record Household Debt Leaves Millions of Americans Looking for a Winning Financial Game Plan

Rob Lowe and Academy Award-winning cinematographer and director Wally Pfister bring cinematic storytelling to Accredited Debt Relief’s first national advertising campaign, aimed at challenging the stigma around consumer financial hardship.

If you have credit card debt, you probably scan your statement for the minimum payment and think, “Great, that’s all I owe this month.”  It’s true: when you make minimum payments, you won’t accrue late fees and you’ll stay in good standing with your lender, but there’s more going on under the surface.  Making minimum […]

Getting laid off or facing a sudden decrease in income can destabilize your whole life. Beyond the emotional hit, a sudden loss of income raises urgent questions like how do you keep up with rent, bills and debt when the paychecks stop?  Accredited Debt Relief is a debt consolidation company that helps people resolve unsecured […]

Accredited Debt Relief surveyed more than 10,000 people who completed a debt consolidation program and the results show strong affordability alongside meaningful improvements in financial habits.

CHICAGO, January 21, 2026 – Accredited Debt Relief announced its continued commitment to spreading Financial Wellness Month’s message today. In line with the company’s mission to improve the lives of Americans struggling with debt, Accredited Debt Relief is encouraging the public to make the most of the year-round free tools and guides on their Top […]

Did you know that every credit card bill includes minimum payment warning? It’s required by law, and usually includes a table that spells out how many years and how much money it will take to pay off your debt if you only make minimum payments. Most people overlook it, which means the true impact of […]

CHICAGO, IL, January 2026 — 2025 was a milestone year for Accredited Debt Relief and one the team is incredibly proud of. Over the past year, the company continued doing what it does best: helping individuals and families find real relief from overwhelming debt. That work led to two powerful lifetime milestones — helping more […]

If grocery shopping feels harder than it used to, you’re not imagining it. Even though price increases have slowed, grocery costs remain significantly higher than they were before the pandemic. In 2025, food prices are still rising year over year — around 2–3%, according to recent data. For many households, that means grocery budgeting isn’t […]

We need buffers in life — from airbags to cushy sneakers, the things that stand between us and the hard world make life feel more secure and comfortable.  But does your budget afford you the same amount of security? Let’s dive into building an affordable buffer zone that works when you need it.  Step 1: […]

Debt is a pervasive problem that has a way of affecting every part of your life. Even when you’re doing everything you should like tracking bills, watching your spending and making your minimum payments, the numbers may not move the way you hoped. And when progress stalls, many people wonder the same thing: “Is it […]

You’re Probably Overpaying for Utilities (And Don’t Realize It) Here’s what usually happens … You sign up for internet, electricity or water, set it to autopay and never touch it again. Then the bill shows up, by mail or email, but because you are auto-paying, you ignore it. What you’re missing is how it’s getting […]

Get To Know Juliana S.  Juliana is a mom of two living in Texas, originally from Colombia. She loves to travel and try new things, and those moments with her family help her stay grounded. As an office manager, she kept things running smoothly at work, but last year her life at home was turned […]

Content creation is big business. And for many, the lure of the attention of thousands — potentially, even millions — of people is enough to tempt the hobbyist into investing in the best gear. But high-quality cameras, software  and subscriptions can come with a premium price tag.  If you’re serious about your craft but don’t […]

Did you know that professional training in the arts places substantial emphasis on the technical skills required to excel in a creative field but rarely addresses how to actually make a living from it? College programs teach young artists to master their artistic skills but then graduate them without the financial literacy required to sustain […]

Many of life’s most important transactions are cloaked in complicated language. From health insurance to home loans, many people either ignore the bits they don’t understand, or just pretend like they ‘get it’ and move on. In the case of your credit report, understanding the complicated parts can actually help you get a better sense […]

If you’re in debt and are struggling to pay back what you owe, your creditors can become one of the most stressful parts of your day. But what legal protections do you have against threats and harassment? Here’s a plain-English guide you can use to get some peace of mind. You can’t be jailed for […]

Does the high of payday dissipate almost immediately? If you’re feeling broke again just a few days later, you’re not alone. Many people experience what feels like a constant loop: Payday comes, relief hits and then money disappears faster than expected. There’s a reason this cycle keeps happening — but there’s a way to escape […]

Meet Jenifer: A Florida Nurse Who Found Financial Stability After Her Divorce Jenifer S. is a nurse from Florida who needed to rebuild her finances when her 30-year marriage came to an end. Like lots of people who navigate major life transitions, she leaned on credit cards to cover expenses. But this stop gap eventually […]

Get to Know Karen: A Veteran Advocate and Grandmother Karen S. is a retired Chief of Blind Rehabilitation for the VA where she led a residential program for legally blind veterans. Her team helped train them in everyday skills — from cooking and laundry to using a white cane and adaptive computer software. She was […]

Caroline M. is a teacher from Colorado who was was struggling with nearly $37,000 in credit card debt until she found Accredited Debt Relief.

The drive to build something from your ideas and ambitions is nothing short of admirable. And few things beat being your own boss — but to get there, you need a budget. This small business owner guide will help you understand how to make your business strong and, at the same time, protect your personal […]

Accredited Debt Relief earns three Buyer’s Choice Awards for exceptional value, customer service and overall process.

Members of the LGBTQ+ community face unique financial challenges and disparities that can significantly impact their economic well-being. From workplace discrimination to the added financial burdens caused by income gaps, healthcare costs, and legal expenses, navigating the financial landscape can be overwhelming. This article features data that demonstrates the financial obstacles experienced within the LGBTQ+ […]

If you share some or all of your expenses with a significant other, an effective budgeting strategy is essential for open communication. Using one of our free budget spreadsheets for couples will help you align your priorities and work as a team toward your shared goals.

When you get paid every month, you set aside parts of your paycheck to cover major living expenses like; housing, utilities, food, transportation, and healthcare. Together, these necessities are considered “the cost of living.” 

If your total credit card or personal loan balances are $25,000 or higher, then chances are good you are paying hundreds of dollars every month in interest! So what can you do about it? More than you might think. We’ve listed three surprising ways you can pay off $25,000 in debt.

Maxing out your credit card is frustrating. Not only is it a sign that you’ve been overspending, but it can also damage your credit score. If you’re struggling to pay off your balance, don’t worry – there are ways to rebound from a maxed out credit card. 

Have you tried one or more of these four common budget types? Learn more about zero-balance, 50/30/20, envelope and anti-budgets.

Most people in debt share a common goal: to pay it off quickly and save as much money as possible. No one wants to spend more than they have to. Fortunately, there are many different ways to get out of debt faster and for less money. Consider six of the cheapest ways to get out […]

A personal loan is money borrowed from a bank, credit union, family member, or online lender. Many different types of loans fall into this category. Most have a fixed interest rate that allows borrowers to make predictable payments to repay the debt. 

If you need to consolidate and pay off existing debt but have concerns about your credit score and finances, you may be considering bad credit loans. Using a bad credit loan to consolidate existing debt may seem like a good idea, but it’s not your only option. It’s important to understand the risks and consider […]

A payday loan is a short-term loan available to you based on how much you earn each pay period. Lenders require proof of income, usually a recent paystub, to qualify for the loan. The lender then grants a loan for that amount along with interest and/or a lender’s fee.

Dealing with debt can be an incredibly scary and stressful experience, but it’s also a common struggle for many Americans. CNBC recently reported that the average American has $90,460 in overall debt, including credit cards, student debt, mortgages, and personal loans. You might be asking yourself, “If debt is such a big problem, then why […]

Ending your relationship with debt is a journey that takes time, planning, and ultimately, a little bit of math. We created a debt payoff worksheet to help you gain a good understanding of your income, expenses, and how much money you can put toward your debt every month. Our worksheet enables you to crunch the […]

In honor of Women’s History Month, Top Dollar Financial Insights Hub examined the economic conditions and financial challenges women face in the United States. While changes in society over the last 100 years have led to significant advancements for women and wealth, data shows that there is still work to be done. Explore 50+ stats […]

Consolidating your credit card debt can help simplify your monthly payments. Unfortunately, there are a few things that can derail your progress. If you are considering debt consolidation for your credit cards, make sure you avoid these mistakes. 

Updated April 13, 2023 Creating and managing a budget is a great way to help you stay on top of your finances. You can ensure that you have enough to cover your expenses while also determining what to cut back on by planning out your spending every month. Fortunately, a recent poll reported that 69% […]

Is debt relief right for me? And how do I know which company to choose? Both are fair questions to ask about any financial provider. Debt relief, sometimes called debt resolution, is a legal service in the United States and federal and state rules govern it. Most of the hesitation traces back to the years […]

You run a business which often means doing whatever it takes to get things done. For a lot of small business owners, that means using personal cash flow and credit to support business expenses. Somewhere along the way your personal credit cards, loans and medical bills piled up with no clear plan to pay them […]

You open the statement, glance at the balance, and close it before the interest line even loads. You don’t mention it at dinner. You haven’t mentioned it to anyone in months. Carrying $10,000 or more in credit card, medical or personal loan debt is the kind of stress that follows you to bed and sits […]

A CFP® professional is a financial planner who has met CFP Board of Standards’ requirements in four areas: education, exam, experience and ethics. More than 110,000 people in the U.S. hold the certification. Those requirements matter because most of the words used to describe financial help carry none. FINRA notes that financial advisor, financial planner, […]

My email inbox is already filling up with gift suggestions for the holidays, and I’ll bet yours is already too — or will be soon. I’ll admit it: I click on those links and go down the rabbit hole.  Recently, my new obsession with Mahjong brought me to a fancy designer set that was way […]

Get To Know Nick C. Nick lives in Tennessee and has spent most of his working life in warehouses and factories. He’s the dad of two grown sons, and he’s now back in college after almost 20 years away, working toward a bachelor’s degree in social work. I can do things besides just work and […]

Bill Cowher debt relief insights: how a Super Bowl coach’s game plan can help you lower payments and build a plan to get out of debt.

Debt stress is triggered by everyday expenses large and small. A grocery bill that is higher than expected. A car repair that overwhelms your monthly budget. The cost of keeping your kid in sport or caring for a loved one’s medical care without the money to do it. The anxiety of not making ends meet […]

Debt rarely comes when you’re ready for it. It’s the check engine light blinking on just before a big event, a surprise trip to the vet right after a move or extra fees for your kid’s little league.  Those are the three moments in the ads we launched in August with Rob Lowe. The spots […]