Top 5 Debt Solutions Reviewed

With so many debt related companies and courses out there, it can quickly feel overwhelming and frustrating trying to find one that is reliable and trustworthy! We feel your pain.

That’s why we’ve spent hours pouring over debt relief programs, consolidation services, and financial courses and rated them as we used them. How does this help you?

We’ve come out with the top 5 solutions we think you would benefit from the most. This way, you can cut through the junk and spend time only on solutions that are effective.

Before we share our list, you should know how we reviewed each solution…

Rating Scheme for Our Debt Solution Reviews

We rate each solution on a basic scale of 1 to 5, where 1 is bad and 5 is great. Here are our criteria…

Usability — Ease of access on both mobile and desktop. How easy is it to get access to what is offered without going through tons of hoops?

Product Options — How many different solutions are offered? Are those solutions relevant to a wide range of needs?

Security — Website is encrypted with industry standard technology (your information is collected safely).

Privacy — Is your information sold or shared with other companies? How is your personal information used internally?

Customer Support — Support representatives respond in a timely manner. Questions are answered respectfully and cordially. Support team is solution-focused and knowledgeable.

Credit On Point

If you’re trying to fix your credit score, Credit On Point is a great place to start. You can get started for as little as $99 with the Do It Yourself ebook. One thing that really stands out to us with Credit On Point is how customizable their programs are. You can get started with their self-taught option and see results all by yourself, or you can upgrade to their higher end options to get one-on-one help at a very nominal fee.

Usability: 5.0/5.0 – Entire website works great on both mobile and desktop. Several in-page pop ups appear on certain pages, but they are very easy to close out of on both mobile and desktop.

Product Options: 5.0/5.0 – If you need help with credit disputes, try the Help Me Program for $199. If you’re in deep waters and just can’t get out by yourself, the Rescue Me Program offers everything the other two programs offers plus dispute letters and other resources to help you fix your credit.

Security: 5.0/5.0 – SSL (https) is used on any page asking for personal information. Also, their payment gateway is encrypted.

Privacy: 5.0/5.0 – They won’t sell your information, period. In fact, they don’t even use cookies (what?!).

Customer Support: 5.0/5.0 – Support is available by phone and email, including a contact form on their website. We contacted their support team by phone with a general question about their privacy policy (I learned that they do NOT sell your information, by the way), and the rep was very courteous and even took the time to make sure my question was answered thoroughly.

Overal Score: A+

Get Started Now With Credit On Point



National Debt Relief

If you need a team of professionals to fight for you to get your debt reduced, we are confident recommending the team at National Debt Relief (NDR). They are one of the largest and most reputable debt settlement companies in the US. Their team of professionals have a solid track record of negotiated settlements for thousands of creditor and collection accounts.

Requirements to qualify for National Debt Relief:

  • Resident of any of the following states do not qualify: CT, GA, KS, ME, NH, SC, OR, VT and WV.
  • Must have more than $10,000 in unsecured debt
  • Yearly income must be at least $35k-$40k/yr or more
  • Must be willing to commit to 24-48 months
  • Fees range from 20-25% of total debt enrolled (don’t worry – average reduction after fees is still 30%)

It is important to note that getting started with NDR does negatively impact your credit score. However, that’s how any debt relief company works. Also keep in mind that it’s easier to come back from a negative hit on your credit score than it is to recover from bankruptcy or continuing to fall behind on payments.

Usability: 5.0/5.0 – Website functioned flawlessly in our tests on both mobile and desktop. Content is structured logically into appropriate menus, and is easy to navigate.

Product Options: 4.5/5.0 – NDR specializes in debt settlement and debt consolidation. However, they do not offer debt management, debt consolidation loans, or tax relief services.

Security: 5.0/5.0 – Entire website is secured with SSL (https), including all pages that ask for personal information.

Privacy: 5.0/5.0 – We read through their entire privacy policy without flinching once. To put it simply, your information is not shared or sold with other companies without your consent.

Customer Support: 5.0/5.0 – support representatives are available by phone to help with questions before applying as well as to offer support after you are part of the program. Phone system is easy to navigate, and we were speaking with a real person pretty quickly.

Overal Score: A

Talk With The Team At National Debt Relief Now

Read Our Review Of National Debt Relief



LendKey get started now

Perfect for students* who need to pay off their loans faster, LendKey offers loans for student from trusted community lenders. In a nutshell, LendKey is a service that connects you with lenders instead of offering you the loan themselves.

*Additionally, LendKey offers loans for home improvement and Green Loans for New Jersey residents.

If you qualify for LendKey, you may get competitive rates on student loans. A few noteworthy benefits include:

  • 1% interest rate reduction once 10% of the principal has been repaid
  • Co-signing is allowed
  • Average savings of more than $15,000
  • High chance of approval because of their network of not for profit lenders
  • Unemployment security: If you’re in between jobs on a LendKey program, you can stay on the program up to 18 months with your loan on pause until you find a job.
  • Getting started does not require a hard credit inquiry (so your credit should not be negatively impacted).
  • No application or origination fees
  • No pre-payment penalties


Requirements to qualify for LendKey:

  • Minimum income: $24k/yr
  • Credit score minimum: 680.
  • Current debt must be between $7,500 and $175,000.


Usability: 5.0/5.0 – Entire site is mobile friendly, and looks great on desktop, too.

Product Options: 3.5/5.0 – Options are limited to options for student loans, student loan refinancing and home improvement.

Security: 5.0/5.0 – All pages asking for personal information are encrypted with SSL (https).

Privacy: 4.0/5.0 – Nothing we think you should be concerned about, but good to know: due to the nature of their products, your information is shared securely with partners to deliver custom loan offers. Your information is not shared with their affiliates. They reserve the right to track non-confidential information about you using cookies to help them re-advertise to you through other platforms.

Customer Support: 5.0/5.0 – Responsive support available through email, phone, and web chat during typical business hours. Phone prompts are easy to follow and we were speaking with a real human being very quickly. 😉

Overal Score: B

Check If I Qualify For LendKey



Freedom Debt Relief

If you’re in over your head in debt and need experts to help, we recommend contacting Freedom Debt Relief (FDR). They have been in business for more than 14 years, and as their company has grown so has their good reputation. They have already helped more than 80,000 customers in the United States to settle more than $3.6 billion in debt.

Requirements to qualify for Freedom Debt Relief:

  • Must have a minimum of $7,500 in unsecured debt
  • If you are a resident of one of the following states, you do not qualify: CT, GA, IL, ME, NH, JK, RI, SC, WA, WV, VT

Worthy of mention is FDR’s money back guarantee. If you’re not satisfied, they’ll work with you to make you happy. That said, we still recommend reading their money back guarantee in detail before applying if you are concerned.

Usability: 5.0/5.0 – Entire website is mobile optimized, and looks great on desktop, too. Easy to navigate.

Product Options: 3.0/5.0 – FDR specializes in debt settlement and they do that really well. The only reason we gave them a lower score here is that they do not offer debt consolidation or debt management services.

Security: 5.0/5.0 – Pages that ask for your personal information is secured with SSL (https).

Privacy: 4.0/5.0 – FDR may use your information for marketing purposes, and by default they do share your information with affiliate partners, which is why we gave the slightly lower score. However, you can call their toll free number to restrict the information they share with third parties.

Customer Support: 5.0/5.0 – Friendly support reps, and easy to get ahold of. Available by phone or email during normal business hours.

Overal Score: B

If you want more information, you can read our full review here, or…

Talk With Freedom Debt Relief Now



The Complete Debt Relief Manual

For those who are serious about eliminating debt, this manual will get you started. That said, it is also great for those who are familiar with their options when it comes to debt solutions but still need a game plan to actually do what they know they need to do.

Usability: 4.0/5.0 – The website is not mobile responsive, so while it does show up on mobile it isn’t as easy to read and navigate. However, the ebook itself is laid out well and is easy to navigate.

Product Options: 4.5/5.0 – This single manual includes guidance for a wide range of problems, including debt elimination, budgeting, building credit, dealing with credit disputes, and more. The only reason we gave this a 4.5 is because their training is only available in PDF form to read, not in audiobook or video format.

Security: 5.0/5.0 – All order pages are secured with SSL (https).

Privacy: 5.0/5.0 – Your information is not shared or sold with other companies. They do use cookies to track sales and to advertise to you, but that is completely normal and should not concern anyone.

Customer Support: 3.0/5.0 – Support is only available by email. However, if you have any payment-related problems, you can contact the payment processor Clickbank in case the author does not respond.

Overal Score: B-

Read The Complete Debt Relief Manual Now



We hope these ratings and reviews will help you find the best debt solutions for your needs. Our eyes and ears are always on the lookout for other companies and financial solutions to review and rate, so check back later to see if we have new options to consider.

And if you’ve found a solution that has personally worked for you, please let us know so we can investigate and share your story with others who are in your same situation.