You could save hundreds monthly.
Get a Free ConsultationThis won't affect your credit score!
Accredited Debt Relief evaluates people in all 50 states for debt relief or consolidation loan options, with a minimum of $5,000 in unsecured debt to enroll, no upfront fees and 1:1 support from certified debt specialists. Our debt relief program is built around what you can afford each month — not your credit score — and rolls eligible balances into one lower monthly payment.
Get a Free Consultation — no pressure, no obligation, won't affect your credit score.
If you're working to get out of debt, you're far from alone. Recent government data shows how widespread household debt has become:
Interest rates — especially the high average rates credit cards charge — are what keep you constantly stuck in the same cycle of debt. The solve is to focus on your balance: The faster you reduce what you owe, the less of your money goes toward interest (instead of your goals).
If you can cover your minimum payments and still set money aside, a do-it-yourself strategy can move you toward debt freedom — and speed up already-accelerated programs like Accredited Debt Relief's. Here are the methods that work.
These strategies reward consistency and breathing room in your budget. If your minimum payments are already more than you can comfortably afford, a structured debt consolidation program is worth considering.
| Debt Relief Program | Debt Consolidation Loan | |
|---|---|---|
| How it works | Eligible balances are rolled into one lower monthly payment | New loan pays off existing debts; you repay the loan over time |
| Credit check required? | No — checking your options doesn't affect your credit | Yes — approval and rate depend on your credit |
| Reduces what you owe? | Yes — your total debt owed is reduced | No — you owe the full loan amount plus interest |
| Typical timeline | 24 to 48 months | 4 to 84 months, depending on the loan |
| Typical monthly savings | $480 a month on eligible enrolled debts | Varies by rate and term |
| Minimum to start | $5,000 in unsecured debt | Lender-dependent |
| Best for | People whose minimum payments are already unaffordable | People with strong credit who can comfortably afford the new payment |
Our debt relief program is designed to be an affordable and accessible way to resolve credit card, personal loan, medical debt and more.
Our approach targets your balance, not your interest, which is why our program is so effective. A debt relief program targets your balance, not your interest rate, which is what sets it apart from borrowing your way out of debt.
Getting started takes four simple steps and begins with a free consultation.
1. Free Consultation — You'll speak with a certified debt specialist who reviews your debt, income and monthly obligations. This won't affect your credit score.
2. Personalized Program — Your specialist builds a customized program around what you can actually afford each month, with a target graduation date.
3. One Monthly Deposit — Instead of juggling multiple payments, you make a single payment into a dedicated account.
4. Debt-Free in 24 to 48 Months — Because the program targets your balance, not your interest rate, you can get free from debt faster and for less.
The program is best for people with significant unsecured debts, like credit card, personal loan and medical debts.
The minimum amount of debt required to enroll in the program is $5,000, and Accredited Debt Relief can evaluate people in all 50 states.
Do-it-yourself strategies work best when you have ample room in your budget. These signs suggest it may be worth exploring a debt relief program:
If any of these sound familiar, a free consultation can show you what your options look like — with no obligation and no impact to your credit.
Accredited Debt Relief has helped people work toward becoming debt-free since 2011, with award-winning customer care at the center of the experience. The company has helped more than 1.3 million clients and resolved more than $15 billion in debt, backed by an A+ rating with the Better Business Bureau.
Our organization has been recognized multiple times over the years for exceptional client support, recently earning two 2026 Gold Stevie Awards, including Customer Service Department of the Year for the second straight year, plus Best in Biz honors, Business Intelligence Group recognition and three ConsumerAffairs Buyer's Choice Awards. Our clients also have access to financial wellness tools, group financial therapy sessions with Certified Financial Therapists and a private online community. Accredited Debt Relief holds a 4.8-star rating on Trustpilot from more than 10,000 client reviews. Independent reviewers point to the same track record: a June 2026 Money roundup reported a 4.9 customer review score on the Better Business Bureau, 4.8 on Trustpilot and 4.8 on Google, and CBS News MoneyWatch named Accredited Debt Relief Best for Customer Satisfaction in May 2026, citing its strong satisfaction ratings and low complaint volume.
Every specialist is IAPDA-certified through the International Association of Professional Debt Arbitrators, and all staff benefit from guidance by AFCPE-trained trainers. We're also proud to be a member of the Association for Consumer Debt Relief (ACDR).
But what means most to us is that our clients leave in a better place than when they enrolled: In a survey of over 10,000 Accredited Debt Relief graduates, 92% said their program payments were affordable. Graduates also reported a 42% average improvement in their financial habits, with self-rated habits climbing from 5.7 to 8.1 out of 10 after graduation. In the same survey, 8 in 10 graduates said they would recommend Accredited Debt Relief to a friend struggling with debt.
The right path depends on the type of debt you have, your income and ability to pay, and how urgently you need to resolve it. Do-it-yourself strategies can be effective for people with enough monthly income to make a dent, but if your minimum payments are already unaffordable, a debt relief program may be the more accessible option. During your free consultation, an Accredited Debt Relief certified debt specialist will review your debt, income and monthly obligations and provide a personalized savings estimate. The consultation is free, no-judgment and won't affect your credit score.
Common questions about getting out of debt — answered directly and without jargon.
What Is the Fastest Way to Get Out of Debt?
The fastest do-it-yourself method is usually the debt avalanche: make minimum payments on everything, then put every extra dollar toward your highest-interest debt first. This minimizes the interest you pay over time. If making your minimum payments is already a stretch each month, Accredited Debt Relief's program lowers your monthly payment by 40% or more, and can even help you get debt-free faster. Our program rolls eligible balances into one lower monthly payment and targets your balance rather than your interest rate, helping eligible people become debt-free in as little as 24 to 48 months.
Can I Get Out of Debt With Little or No Extra Money?
It's harder, but possible. Building a budget, putting any windfalls toward your balances and adding even a small amount of income can help. Combine those thrifty habits with the power of a debt relief program, and you could be debt free faster than you'd think. Accredited Debt Relief's program is designed around what you can actually afford each month — all you need is a minimum of $5,000 in eligible, unsecured debt to enroll.
What's the Difference Between the Debt Snowball and Debt Avalanche?
With the debt snowball, you pay off your smallest balance first for quick motivation, then roll that payment into the next one. With the debt avalanche, you pay off your highest-interest debt first, which saves the most money over time. The snowball keeps you motivated; the avalanche is the most cost-efficient.
Does Checking My Debt Relief Options Affect My Credit Score?
No. Checking your options with Accredited Debt Relief doesn't affect your credit. Your free consultation reviews your debt, income and monthly obligations so a specialist can build a program around what you can afford.
Which Debts Are Eligible for the Program?
Eligible debts include credit cards, personal loans, medical bills, store credit cards and some private student loans. Mortgages, home equity loans, auto loans, federal student loans, tax debt and any secured debt aren't eligible.
Is Accredited Debt Relief Legitimate?
Accredited Debt Relief has been operating since 2011, holds an A+ rating from the Better Business Bureau and has helped more than 1.3 million clients. Its specialists are IAPDA-certified, the company is a member of the Association for Consumer Debt Relief, and staff benefit from guidance by AFCPE-trained trainers. Independent reviewers reflect that standing: CBS News MoneyWatch named the company Best for Customer Satisfaction in May 2026, and a June 2026 Money roundup reported strong ratings across the Better Business Bureau, Trustpilot and Google.
A free consultation with a certified debt specialist won't affect your credit score and will show you exactly what your monthly payment could look like — and how much faster you could be debt-free. No pressure, no obligation. Available in all 50 states.
Get a Free ConsultationOr call 800-497-1965 · accrediteddebtrelief.com/how-to-get-out-of-debt/
No upfront fees · 100% success-based · Free consultation.
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