Benefit #1: Instant Monthly Savings with Accredited Debt Relief
Our goal is to make getting debt-free fast and simple. And that starts with slashing your eligible monthly debt payments by 40% or more, making your life affordable again. So if you want to add instant flexibility to your financial life, here's what to expect when you connect with our award-winning team.
How to Lock In Lower Monthly Payments With Accredited Debt Relief
A Certified Debt Specialist will look at your debt, income and monthly obligations to calculate a personalized savings estimate. We'll also confirm which options are available where you live — the consultation is free, no obligation and won't affect your credit score.
People who work with us break out of the trap of minimum payments: Our clients debt relief programs are tailored to what they can actually afford every month.
Once you've seen your short- and long-term savings, learned about our process and reviewed our terms, you'll enroll and start your program. Most clients become debt-free in as little as 24-48 months — decades faster than making minimum payments on high-interest debts.
Benefit #2: Life's Easier When Getting Debt-Free Is Affordable
Debt relief programs have as many emotional benefits as they have financial ones. We aim to make the entire process — from enrollment to graduation — as stress-free, affordable and supportive as possible.
What You Get When You Enroll
Financial Benefits
- Immediate relief from unaffordable monthly payments
- One affordable payment that covers all your enrolled debts
- Significant savings — clients typically save 40% or more on their monthly payments
- Getting out of debt faster, in as little as 24-48 months
- Targeting your total debt, reducing the overall amount you'll pay
- Extra wiggle room in your budget every month
- Access to resources to help build healthier financial habits
Emotional Benefits
- Reassurance that professionals are working on your behalf
- An award-winning customer support team to help you every step of the way
- No more dealing with creditors alone — we'll take their calls for you
- Free group financial therapy sessions with Certified Financial Therapists
- Supporting financial wellness — with the therapist-developed Financial Wellness RESET™ Framework
- A simple, straightforward plan that puts debt freedom in sight
- Access to an exclusive online community of program participants
One Call Can Transform Your Financial Outlook
Benefit #3: Plan Your Budget Around One Payment, Not Many
Unsecured debts, such as credit cards and personal loans, aren't backed by collateral. You're a good fit for Accredited Debt Relief if you have significant unsecured debts and struggle to keep up with minimum payments. Our program is tailored to what you can actually afford — so if you've had enough of hustling hard and feeling like you're still where you started, we're here to help.
| Eligible Debts | Ineligible Debts |
| Credit cards | Mortgages and home equity loans |
| Personal loans | Auto loans |
| Medical bills | Federal student loans (and most other student loans) |
| Store credit cards | Tax debt |
| Some private student loans | Child support and alimony |
During your free consultation with an IAPDA-Certified Debt Specialist, you'll see which of your debts we can help with, how much you stand to save — typically 40% or more off your current monthly payments — and get a complete picture of how our program can get you debt-free faster.
The Accredited Debt Relief Difference? Ask Our Real Clients.
"I took that first step because I knew I wasn't going to get out of debt alone."
Annemie, former teacher from North Carolina
Annemie saved 46% a Month.
"My Consolidation Specialist was very compassionate and didn't judge us."
Mark, retired veteran from Oklahoma
Mark saved 66% a Month.
"Money's not scary anymore. I'm able to live freely for the first time in my adult life."
Harlie, order processor from New York
Harlie saved 61% a Month.
"I get to go to sleep without worrying about how things are going to be paid."
Sharise, LCSW from Pennsylvania
Sharise saved 65% a Month.
"I took that first step because I knew I wasn't going to get out of debt alone."
Annemie, former teacher from North Carolina
Annemie saved 46% a Month.
"My Consolidation Specialist was very compassionate and didn't judge us."
Mark, retired veteran from Oklahoma
Mark saved 66% a Month.
"Money's not scary anymore. I'm able to live freely for the first time in my adult life."
Harlie, order processor from New York
Harlie saved 61% a Month.
"I get to go to sleep without worrying about how things are going to be paid."
Sharise, LCSW from Pennsylvania
Sharise saved 65% a Month.
*Based on median client savings. Individual results vary. A free evaluation will show you your estimated monthly savings.
How Much Does the Program Cost?
Our program's cost is built into your monthly payment, ranges between 15-25% and may vary based on enrolled debt and where you live. Compared to other options, it's a great deal: Because we target your actual balance — not your interest rates — you'll see significant savings on your total enrolled debt. Our program delivers immediate financial relief; our clients typically save 40% or more on eligible monthly payments. Your actual savings depend on your enrolled balance and your individual situation — another good reason to connect with us for an estimate.
92% of Graduates Say Their Program Payments Were Affordable
In that same 2026 survey of more than 10,000 Accredited Debt Relief program graduates, 8 in 10 said they would recommend Accredited Debt Relief to a friend or family member struggling with debt. And their time in the program made them better at managing money, too: Respondents rated their financial habits 5.7 out of 10 before enrolling and 8.1 at graduation — a 42% improvement.
I stopped having to miss out on so many opportunities to enjoy life because I was just working so hard and trying to pay for debt.
Debt Relief vs. Other Options
There are a lot of options out there that claim to be fast, effective ways to get out of debt. So here's a straightforward comparison on how those common options stack up against Accredited Debt Relief's award-winning program.
| Debt Relief | Debt Consolidation Loan | Bankruptcy | |
| How it works | Eligible balances are rolled into one lower monthly payment | A new loan pays off existing debts; you repay the loan over time | A legal process through which your debts are repaid or discharged |
| Credit check required? | Yes — checking your options doesn't affect your credit | Yes — approval and rate depend on your credit | No — credit does not impact court proceedings |
| Reduces what you owe? | Yes — your total debt owed is reduced | No — you owe the full loan amount plus interest | Yes — discharges debts, but sometimes at the cost of personal property |
| Typical timeline | 24 to 48 months | 4 to 84 months, depending on the loan terms | Depends on filing — credit impact remains for 7-10 years |
| Monthly savings | $480 per month for typical clients | Varies by rate and term | Eliminates your debt |
| Minimum to start | $5,000 in unsecured debt | Lender-dependent | $1,300+ for representation and court fees |
| Best for | People whose minimum payments are already unaffordable | People with strong credit who can comfortably afford the new payment | People in significant debt and need a fresh start |
Why Choose Accredited Debt Relief?
Accredited Debt Relief is different from other debt relief providers because of our commitment to a holistic client experience, from enrollment to graduation.
- • 15+ Years in the Business
- • 1.3 Million+ Clients Helped
- • $15 Billion+ in Debt Resolved
- • A+ Better Business Bureau Rating
- • 68,000+ 5-star Reviews Across All Review Platforms
- • 15+ awards from independent organizations since 2024
- • 1:1 help from U.S.-based teams
- • 10,000+ hours of empathy-forward education annually from AFCPE-trained staff
- • IAPDA-certified specialists available 7 days per week
Learn all about our commitment to your debt-free journey, the awards we've received and all the reasons millions of people have reached out to Accredited Debt Relief for help since 2011.
Read About Us
Frequently Asked Questions
How Does Accredited Debt Relief's Program Work?Accredited Debt Relief simplifies your eligible debts into one lower monthly payment that targets your balance, not your interest rate. You start with a free consultation, get a personalized plan built around what you can afford, then make one monthly deposit into a dedicated account. Most clients become debt-free in as little as 24 to 48 months.
What Debts Can I Enroll?Most unsecured debts can be enrolled, including credit cards, personal loans, medical bills, store credit cards and some private student loans. Mortgages, auto loans, tax debt, federal student loans and any secured debt are not eligible.
How much does Accredited Debt Relief cost?There are no upfront fees to get started. Fees are success-based and usually about 15 to 25% of your total enrolled debt based on your state of residence. Our fees are included in your program payments.
What Makes Accredited Debt Relief Different Than Other Debt Relief Companies?Award-winning customer care sets Accredited Debt Relief apart. Our staff go through an empathy-forward training program, led by AFCPE-certified trainers, that teaches the skills to really hear what people like you are going through. Accredited Debt Relief earned two 2026 Gold Stevie Awards, including Customer Service Department of the Year for the second straight year, and holds a 4.8-star Trustpilot rating from more than 10,000 reviews. Clients also get financial wellness tools, group sessions with Certified Financial Therapists and a private online community.
Is Accredited Debt Relief Legitimate?Accredited Debt Relief has operated since 2011, holds an A+ rating with the Better Business Bureau and has helped more than 1.3 million clients. Our Certified Debt Specialists are IAPDA-certified, and the company is a member of the Association for Consumer Debt Relief (ACDR). All team members are guided by AFCPE-certified trainers.
Does Accredited Debt Relief Offer Loans?We can connect clients to trusted partners for consolidation loans in addition to evaluating you for a debt relief program. Whether a loan or a debt relief program is the right fit depends on your individual financial situation — we'll let you know which options may work for your situation.
Is Debt Consolidation the Same as Debt Relief?Not exactly — debt consolidation is the act of combining multiple debts into one. A debt relief program falls under the umbrella of debt consolidation because it bundles your unsecured debts into one lower monthly payment. Debt consolidation loans also combine multiple debts, so they fall under this umbrella too. Both simplify multiple debts into a single payment, but they work differently and fit different situations. Depending on your unique circumstance, Accredited Debt Relief can connect you to both options.