Amelia P.
Indiana — Formulation Operator
Enrolled Debt$10,004
Monthly Savings$210
"I love that I can find everything I need on the app... and those closed accounts are nice to see."
Help for People With Under $20,000 in Debt
See what you could save, based on real Accredited Debt Relief program results.
Debt relief options vary based on your eligible debt amount.
Monthly Savings for People With Under $20,000 in Debt
We've helped more than 1.3+ million clients and analyzed real program results to determine typical savings by debt amounts.
The typical client with under $20,000 in debt saves $267 a month and is debt free in 24 to 48 months.
That's more money back in your pocket for groceries, gas and your household budgets!
$267
Typical Monthly Savings for a Client With Under $20,000 in Enrolled Debt
The typical client, across all debt amounts, saves $480 a month on their eligible monthly payments. Individual results may vary.
Enter Your Debt Amount to Estimate Monthly Savings
The average Accredited Debt Relief client saves more than 40% on their eligible monthly payments.
What Debts Are Eligible for Debt Relief?
Accredited Debt Relief's solutions are best for people with $5,000 or more in unsecured debts like:
- Credit card balances
- Personal loans (unsecured)
- Medical bills
- Private student loans
- Department store cards
- Certain collection accounts
We don't help with secured debts like federal student loans, auto loans, mortgages, heloc, tax debt or other types of secured debt.
If you're unsure whether a specific account qualifies, an Accredited Debt Relief consultant can review it during your free assessment.
Compare Monthly Savings by Debt Bracket
Whether you're carrying $5,000 or $100,000+ in unsecured debt, we've helped people in your exact situation.
Our IAPDA-certified specialists work with clients across every debt level — here's how monthly savings compare across debt brackets.
Under $20,000 in Debt
Save $267
typical monthly savings
"It was more than getting out of debt for me. It was a chance to learn and move forward. Now I know how to live life debt-free."
A real graduate who saved $245 a month!
Debt Enrolled
$13,401
Graduated
June 2023
$20,000 to $40,000 in Debt
Save $503
typical monthly savings
"They helped me press pause on the financial chaos, and gave me the space to rebuild. It wasn't just about debt relief. It was about creating a whole new approach to life and money."
A real graduate who saved $500 a month!
Debt Enrolled
$27,574
Graduated
2024
Over $40,000 in Debt
Save $1,072
typical monthly savings
"Accredited Debt Relief made me feel like I was not alone. I'm able to budget appropriately and take care of things. I feel more comfortable and confident in my daily life."
A real graduate who saved $985 a month!
Debt Enrolled
$87,963
Graduated
March 2026
Real Results for Real People With Under $20,000 in Debt
See how people who enrolled under $20,000 in debt with Accredited Debt Relief found a clear path forward with a monthly payment they could afford.
Independently Rated — Consistently "The Best"
Some of the most trusted names in personal finance evaluated the debt relief industry using their own rigorous criteria, and reached the same conclusion: Accredited Debt Relief is the best.
"Accredited Debt Relief — The People's Choice for best debt relief company"
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"Accredited stands out for the strongest customer satisfaction ratings among its peers."
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"Overwhelmingly positive reviews on sites like the BBB, Trustpilot and Google reviews"
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"Great daily availability and it has top-notch reviews from many satisfied customers."
Read MoreFrequently Asked Questions
The right path depends on the types of debt you have, your budget for monthly payments and how quickly you'd like to pay off your debt. Some options include paying down balances on your own, a consolidation loan, or a debt relief program that works to resolve your enrolled balances. Clients with under $20,000 in debt save about $267 a month with Accredited Debt Relief's program.
Accredited Debt Relief offers a free, no-obligation initial phone consultation. There is no cost to explore your options or speak with a debt consolidation specialist.
Program fees are calculated as a percentage of your enrolled balance. They vary by state and range from 15% – 25%. Most importantly, Accredited Debt Relief's fees are success-based — which means no upfront fees, we earn them when we achieve a successful result for your debt.
Timelines can vary by balance and budget but most Accredited Debt Relief clients pay off their enrolled accounts in 24 to 48 months.
Why Choose Us for Under $20,000 in Debt?
We are known in our industry for exceptional customer service and client results, helping resolve more than $15 billion in client debt since 2011.
This work is consistently reflected in our top-tier ratings across every major consumer review platform and through our award wins and recognition from significant consumer organizations like CBS News MoneyWatch, Bankrate, and Newsweek.
