You could save hundreds monthly.
Get a Free ConsultationThis won't affect your credit score!
There's help out there for your medical debt — and for many people, a debt relief program is the most accessible way to address it. Medical debt is a common feature in the American financial landscape, and Accredited Debt Relief offers solutions for the medical debts that make staying afloat difficult. Our debt relief program is built around what you can afford each month, not your credit score, so medical bills you can no longer keep up with can be rolled into one lower monthly payment. Our program is effective: Because we target your balances directly, you stand to save significantly on eligible enrolled debts (and even become debt-free in as little as 24 to 48 months).
Accredited Debt Relief evaluates people in all 50 states for debt consolidation options, with a minimum of $5,000 in unsecured debt required to enroll, no upfront fees and 1:1 support from certified debt specialists.
Get a Free Consultation — no pressure, no obligation, won't affect your credit score.
Medical debt has touched practically every person in America at some point or another. It's a major driver in personal debt, as the Kaiser Family Foundation (KFF) found in its Health Care Debt Survey.
Falling behind on medical bills is common, and there's no shame in struggling with expensive healthcare bills. And if your bills have become impossible to keep up with, talk to us — our debt relief program is designed to address exactly that.
Medical debt is uniquely difficult because most of it arrives without warning, after an unexpected accident or illness. When the bill comes due, you may not have the cash on hand to cover it.
The sticker price of care explains why. Below are typical costs of common medical situations without health insurance, according to HealthCare.gov:
Even with insurance, high-deductible plans can leave you paying thousands out of pocket before coverage begins. That's how a single emergency can turn into debt that lingers for years.
Before turning to any consolidation option, a few steps can lower the balance itself. Start here:
If those steps aren't enough — or your medical bills have piled up alongside credit card and other unsecured debt — a debt relief program can bundle them into one lower monthly payment.
| 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 |
No matter where your medical debt came from, the most important thing is your health and wellbeing. Our debt relief program is designed to be an affordable and accessible way to resolve medical debt, credit card balances, personal loans and more — so you can focus on getting better.
That's why Accredited Debt Relief's program is…
Our approach targets your balance, not your interest, which is what sets it apart from borrowing your way out of debt. Medical bills can be a special burden because they often land on top of credit card and other unsecured debt — and a debt relief program is built to take on that combined weight.
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 bills from a hospital, a physician's group and other providers, you make a single payment into a dedicated account.
4. Debt-Free in 24 to 48 Months — Because the program targets your balance, you can get free from debt faster and for less.
Our program can help with more than medical bills — our solution offers relief from many kinds of unsecured 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.
Accredited Debt Relief has helped people work toward becoming debt-free since 2011, with award-winning customer care at the center of the experience. That focus has earned outside recognition: Accredited Debt Relief was named Best for Customer Satisfaction by CBS News MoneyWatch and by Bankrate in its 2026 debt consolidation company rankings. 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.
Every specialist is 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.
A free consultation from an Accredited Debt Relief IAPDA-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 medical debt and consolidation — answered directly and without jargon.
Can You Consolidate Medical Debt?
Yes. Medical bills are eligible unsecured debt, so they can be consolidated. A debt relief program is built around what you can afford each month rather than your credit score, so there are no credit score barriers to getting help. 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.
Is Medical Debt Eligible for a Debt Relief Program?
Yes — Accredited Debt Relief can help with medical bills, credit cards, personal loans and other unsecured debts. Our clients typically save 40% or more off their eligible monthly payments.
What Should I Do First If I Can't Pay a Medical Bill?
Start by checking the bill for errors, asking your provider about an interest-free payment plan and asking about discounts or income-based financial assistance. If those steps aren't enough — or the bills have piled up — a debt relief program can bundle eligible balances into one lower monthly payment.
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.
How Long Does Medical Debt Relief Take?
At Accredited Debt Relief, programs typically run 24 to 48 months. Every situation is different: Timelines may be longer or shorter depending on your total enrolled debt, what's affordable for your specific situation and adherence to your program.
How Is a Debt Relief Program Different From a Debt Consolidation Loan?
A debt relief program rolls eligible balances into one lower monthly payment and reduces your total debt owed, and checking your options doesn't affect your credit. A debt consolidation loan is a new loan that pays off existing debts, requires a credit check and means you repay the full loan amount plus interest. Accredited Debt Relief can evaluate clients for debt relief or consolidation loan options.
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.
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. No pressure, no obligation — just answers so you can focus on what matters most. Available in all 50 states.
Get a Free ConsultationOr call 800-497-1965 · accrediteddebtrelief.com/medical-debt-consolidation/
No upfront fees · 100% success-based · Free consultation.
Last updated:
Sources:
