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Student debt — especially private loans — can be hard to manage. And in some cases, debt relief programs can offer the break you need to finally make progress against those stubborn balances. If you're carrying private student loan debt alongside other unsecured balances, you might be eligible for Accredited Debt Relief's program. Our program is built around what you can afford each month — not your credit score — and it can roll eligible private student loans together with debts like credit cards, personal loans and medical bills into one lower monthly payment.
Because debt relief targets your balance, not your interest rate, you stand to become debt-free in as little as 24 to 48 months. Accredited Debt Relief evaluates people in all 50 states, 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.
If your student loans feel impossible to keep up with, you're far from alone. Student loan debt is one of the largest categories of consumer debt in the U.S., according to Credible, and recent data shows just how widespread the burden has become.
Falling behind on student loans is common among borrowers, especially those with substantial debts. And if your private student loan and other monthly payments have become hard to manage, talk to us — our debt relief program is designed to address exactly that.
Private student loans often cost more and offer fewer built-in protections than federal loans, which is part of why balances can feel stubborn.
A debt relief program works differently from borrowing your way out. It targets your total balance, not your interest rate — which is what sets it apart and what makes it effective for people whose minimum payments are already unaffordable.
This is the most important question for people managing student loan debt, so here's the straight answer: A debt relief program can help with eligible private student loans, but not federal student loans.
Federal student loans have their own repayment options through the U.S. Department of Education and aren't part of the program. And because the terms of private student loans vary from lender to lender, their eligibility for a debt relief program can vary, too. The best way to find out which loans we can help with starts with a free, personalized debt consultation — it's the fastest way to understand your student loan debt relief options.
| 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 |
Fighting the current of interest can wear you out — that's why Accredited Debt Relief's program does things a different way. Our program targets your balance, not your interest rate, so you're not paying just to stay in place. Here's why people get out of debt faster with our program:
Getting started takes four simple steps and begins with a free consultation.
1. Free Consultation — You'll speak with an IAPDA-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.
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.
That care has been recognized by independent reviewers, too. Accredited Debt Relief was named Best for Customer Satisfaction by Bankrate in its 2026 debt consolidation company rankings, and CBS News MoneyWatch likewise highlighted Accredited Debt Relief as best for customer satisfaction among the providers it reviewed. The company's ratings hold up across platforms: per Bankrate's 2026 review, the Better Business Bureau, Trustpilot, ConsumerAffairs and Google all report scores of 4.8 stars or higher.
Our organization has also 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 AFC-certified 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 student loans you have, your income and ability to pay and how urgently you need to resolve your debt. Federal student loans are handled separately through the U.S. Department of Education, while eligible private student loans and other unsecured debts may be a fit for a debt relief program. 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 consolidating student debt — answered directly and without jargon.
Can You Consolidate Private Student Loans?
Yes, Accredited Debt Relief can help with some private student loans. Our program is built around what you can afford each month — not your credit score — and targets your actual balance, not your account's interest rate. You might be a good fit if you have over $5,000 in unsecured debts (like credit cards, personal loans and, of course, some private student loans). Checking your options doesn't affect your credit, and Accredited Debt Relief evaluates people in all 50 states.
Can a Debt Relief Program Help With Federal Student Loans?
No. Federal student loans aren't eligible for our program. Federal borrowers have separate repayment options through the U.S. Department of Education: Visit studentaid.gov to explore debt help options for federally-provided loans.
What Credit Score Do I Need for a Debt Relief Program?
A debt relief program isn't based on a minimum credit score — it's designed around what you can afford each month. Eligible clients for our debt relief program carry at least $5,000 in eligible unsecured debt, which can include some private student loans.
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, while a debt consolidation loan is a new loan that pays off existing debts. Unlike a debt relief program, a debt consolidation loan requires a solid credit score and means you repay the full loan amount plus interest. During your consultation, we'll evaluate you for both debt relief and consolidation loan options.
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.
Is Accredited Debt Relief Legitimate?
Yes. 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. It was also named Best for Customer Satisfaction by Bankrate in 2026 and recognized for customer satisfaction by CBS News MoneyWatch.
A free consultation with a certified debt specialist won't affect your credit score and will show you whether your private student loans (and any other unsecured balances) might be a fit. No pressure, no obligation — just answers. Available in all 50 states.
Get a Free ConsultationOr call 800-497-1965 · accrediteddebtrelief.com/student-debt-consolidation/
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