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Unsecured debt consolidation rolls balances that aren't tied to an asset — like credit cards, personal loans and medical bills — into one lower monthly payment. Accredited Debt Relief offers two main paths: a debt relief program built around what you can afford each month, or a debt consolidation loan for people with strong credit. A debt relief program targets your balance, not your interest rate, so eligible people with significant unsecured debt can become debt-free in as little as 24 to 48 months.
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 required to enroll. There are no upfront fees, fees are success-based and you get 1:1 support from certified debt specialists. Checking your options doesn't affect your credit.
Get a Free Consultation — no pressure, no obligation, won't affect your credit score.
Unsecured debt is money you owe that isn't guaranteed by an asset. Because there's no collateral attached, these balances often carry higher interest rates than secured debt.
Common types of unsecured debt include:
Secured debt works differently. It's tied to a specific asset, like a mortgage attached to your home or an auto loan attached to your car. The defining feature of unsecured debt is that it stands on its own — which is also why it's the kind of debt a consolidation program is designed to address.
If you're carrying a balance, you're in very common company. Recent government data shows how widespread debt has become, and how expensive unsecured balances can be.
High interest is a big part of what makes unsecured balances so hard to clear. If even your minimum payments have become difficult to manage, talk to us — a debt relief program is designed to address exactly that.
| 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 per 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 |
A debt relief program is designed to be an affordable and accessible way to resolve credit card, personal loan, medical debt and more.
The reason the approach is so effective comes back to interest. Interest is part of what makes unsecured balances so hard to clear, especially when the average rate on credit card accounts assessed interest was 21.52% in early 2026, according to Federal Reserve data. 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 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 deposit 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. Unfortunately, we can't help with secured debts, like:
The minimum amount of unsecured 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. 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 customer care has earned independent recognition. Both Bankrate and CBS News MoneyWatch named Accredited Debt Relief best for customer satisfaction among debt relief companies in 2026. The strong ratings hold up across independent review platforms, too: the Better Business Bureau, Trustpilot, ConsumerAffairs and Google all show ratings of 4.8 stars or higher, according to Bankrate.
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. 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 2025 survey of more than 2,000 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.
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. During your free consultation, an Accredited Debt Relief 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 unsecured debt — answered directly and without jargon.
What Is Unsecured Debt Consolidation?
Unsecured debt consolidation combines debts that aren't tied to an asset — such as credit cards, personal loans and medical bills — into a single monthly payment. Accredited Debt Relief offers two paths: a debt relief program built around what you can afford each month, and debt consolidation loan options for people with strong credit. The company can evaluate clients for debt relief or consolidation loan options in all 50 states, with a minimum of $5,000 in unsecured debt to enroll.
Can You Consolidate Unsecured Debt Without Good Credit?
Yes. A debt relief program is built around what you can afford each month rather than your credit score, so a low score doesn't have to keep you from getting help. A debt consolidation loan, by contrast, requires a credit check, and approval and rate depend on your credit.
How Much Does Unsecured Debt Consolidation Cost?
A debt relief program has no upfront fees, and fees are success-based. The main requirement to enroll is having at least $5,000 in eligible unsecured debt. Typically, the program saves clients $480 a month on eligible enrolled debts. Loan costs vary by rate and term.
Does Checking My 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 It Take to Consolidate Unsecured Debt?
A debt relief program typically runs 24 to 48 months. Because the program targets your balance, not your interest rate, eligible people can become debt-free in as little as 24 to 48 months. A consolidation loan can run anywhere from 4 to 84 months, depending on the loan.
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.
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 Accredited Financial Counselor (AFC)-certified trainers. Both Bankrate and CBS News MoneyWatch named the company best for customer satisfaction among debt relief companies in 2026.
A free consultation with a certified debt specialist won't affect your credit score and will show you exactly what you'd save with the option that fits you best. No pressure, no obligation — just answers. Available in all 50 states.
Get a Free ConsultationOr call 800-497-1965 · accrediteddebtrelief.com/unsecured-debt-consolidation/
No upfront fees · 100% success-based · Free consultation.
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