Best Debt Consolidation of 2026
Explore our picks for the top-rated debt consolidation companies to help you take control of your financial future.
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Recommended for Debts Above $25,000
- Offers a Free, No-Risk Consultation
- Low Monthly Payments with No Upfront Fees
- $20 Billion+ debt resolved
- A+ Rating from the BBB
Designed for Customers with $15,000+ in Debt
- Be Credit Card Debt-Free in 24 to 48 Months
- Reduce Monthly Payments by 50% or More
- Free Customized Debt Solution Plans
- Serving Americans since 2009
Best for Debts of $25,000 or More
- Be Debt-Free in 24-48 Months without Bankruptcy
- See What Debt Relief Options You Qualify for in Minutes
- No Upfront Enrollment Fees
- BBB A+ Rating, In Business Since 2011
Best for People with $15,000 or More in Debt
- Get A Free Savings Estimate Today
- Become Debt Free in 24 to 48 Months
- Pay No Fees Until Your Accounts Are Settled
- Have Helped More than 550,000 People Get Out of Debt Since 2009
$20,000 or More in Credit Card and Personal Loan Debts
- 100% Service Guarantee
- No Upfront Fees
- Free Savings Quote Online or By Phone
- Professional Debt Consultants Available
selected this partner
selected this partner
Recommended for Debts Above $25,000
- Offers a Free, No-Risk Consultation
- Low Monthly Payments with No Upfront Fees
- $20 Billion+ debt resolved
- A+ Rating from the BBB
Freedom Debt Relief (DC)
Freedom Debt Relief Company Overview:
Freedom Debt Relief (FDR), founded in 2002, is a reputable company specializing in debt settlement. With over 20 years of experience, FDR has helped hundreds of thousands of clients reduce their unsecured debt and regain financial stability. FDR is accredited by the American Fair Credit Council (AFCC) and holds an A+ rating from the Better Business Bureau (BBB), ensuring compliance with industry standards.
Services Offered:
FDR offers personalized debt settlement programs, negotiating with creditors to lower the amount owed. While they do not provide traditional debt consolidation loans or credit counseling, their tailored programs focus on creating manageable repayment plans for clients overwhelmed by unsecured debt.
- Program Amounts
- Supports debts from $1,000 up to $100,000+
- Term Lengths
- Complete your program in approximately 24–48 months
- Fees
- Zero upfront costs—fees only charged after settlements are approved
- Best For
- Those with unsecured debts—credit cards, medical bills, personal loans, collections, lines of credit, some payday & private student loans.
- Application Type
- No credit score required to enroll—it’s easier to qualify than a consolidation loan.
Americor Debt Consolidation
Americor Company Overview:
Americor is a leading FinTech company specializing in debt relief solutions. They assist clients in reducing unsecured debt—such as credit cards, medical bills, and personal loans—through debt consolidation loans and settlement programs. With a proprietary online platform, Americor aims to provide faster and more effective paths to financial freedom.
Debt Relief Services Offered:
Americor offers debt consolidation loans through their partner, Credit9, for qualified applicants. For those who do not qualify, they provide the Americor Advantage debt resolution program, which helps lower monthly payments and reduce total debt while eliminating high-interest fees.
- Program Amounts
- Typically works with $10,000+ in unsecured debt
- Term Lengths
- Average program length is 24–48 months
- Fees
- No upfront fees—only pay after debts are successfully settled
- Best For
- Individuals with high-interest unsecured debt—credit cards, medical bills, personal loans, and more
- Application Type
- Free consultation with no obligation to enroll
Accredited Debt Relief (DC)
Accredited Debt Relief Company Overview:
Accredited Debt Relief is a leading debt relief company committed to providing personalized solutions to reduce debt and improve financial stability for its clients. The company is accredited by the Better Business Bureau (BBB) with an A+ rating and partners with reputable organizations to ensure quality service and compliance with industry standards.
Services Offered:
Accredited Debt Relief offers customized debt settlement and debt relief programs designed to negotiate with creditors and reduce the total debt owed. These services focus on unsecured debts such as credit cards, personal loans, and medical bills. Accredited Debt Relief provides free consultations to assess client needs and create tailored plans that fit individual financial situations.
- Program Amounts
- Helps with $10,000+ in unsecured debt
- Term Lengths
- Programs typically last 12–48 months
- Fees
- No upfront fees—only pay after a debt is successfully settled
- Best For
- People struggling with high-interest unsecured debts like credit cards, personal loans, and medical bills
- Application Type
- Free, no-obligation consultation with personalized debt relief options
National Debt Relief (CA)
National Debt Relief Company Overview:
Founded in 2009, National Debt Relief (NDR) specializes in debt settlement, assisting clients in reducing unsecured debts such as credit cards, personal loans, and medical bills. The company has helped over 500,000 clients resolve their debts. NDR is accredited by the American Association for Debt Resolution and holds an A+ rating from the Better Business Bureau (BBB).
Services Offered:
National Debt Relief specializes in offering comprehensive debt consolidation and debt relief services to individuals seeking financial stability. Presently, National Debt Relief extends its debt negotiation programs to clients contending with $10,000 or more in unsecured debts, encompassing liabilities from credit cards, medical bills, collections, and business debts.
- Program Amounts
- Works with $7,500 to $100,000+ in unsecured debt
- Term Lengths
- Typical program lasts 24 to 48 months
- Fees
- No fees until debt is settled—15–25% of total enrolled debt
- Best For
- People with unsecured debt—credit cards, personal loans, lines of credit, medical bills, and more
- Application Type
- No obligation quote and no upfront commitment required
ClearOne Advantage Debt Relief
ClearOne Advantage Company Overview:
ClearOne Advantage is a debt resolution company specializing in helping individuals reduce unsecured debts such as credit cards, medical bills, and personal loans. Founded in 2008, the company creates customized debt settlement plans that aim to lower monthly payments and negotiate reductions in total debt owed. ClearOne does not offer loans—instead, it works directly with creditors to settle debts for less than the full balance owed.
Debt Relief Services Offered:
ClearOne Advantage offers personalized debt settlement services for individuals struggling with high levels of unsecured debt. Clients are enrolled in a program where certified debt specialists negotiate with creditors to reduce total balances.
- Program Amounts
- Typically available for individuals with $10,000 or more in unsecured debt.
- Term Lengths
- Plans generally take 24 to 60 months to complete.
- Fees
- No upfront fees—you only pay after your debts are settled, via a performance-based fee
- Best For
- Individuals with high-interest unsecured debt such as credit cards, personal loans, private student loans, and medical bills
- Application Type
- Start with a free, no-obligation consultation and receive a personalized, budget‑friendly plan.