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Great debt consolidation program


Great debt settlement program


Trusted by both watchdog groups and consumers


Debt counseling available


Online tools and resources that can help you better manage your finances



Limited physical locations


Somewhat high minimum debt amount $7,500

If you find yourself in a situation where you are unable to meet your current debt obligations, you may want to start considering debt consolidation as a viable solution to your problem. Debt consolidation can mean two different things. Firstly, it may simply be merging all your current debt payments into one to help simplify your life. Secondly, it could be this, coupled with refinancing to help you lower your total amount of debt over time. Both of these options have the ability to help your greatly reduce the stress in your life. For the purpose of this review, we will be discussing the second of these two definitions.

Refinancing your debt is one of the best ways to achieve a reduction of your financial burdens without heavily damaging your credit score. National Debt Relief is one of the largest companies offering these services in the United States, and they also offer a range of other debt solutions. This review will take a deeper look at this company and how it fairs against competitors.


National Debt Relief is one of the largest debt settlement companies in the U.S. and began operations in 2009. They help their customers by negotiating settlements with their creditors and also offer non-bankruptcy and consolidation options, as well as personal finance education. In this regard, they are a multi-faceted company that offer a range of debt solutions. If debt consolidation isn’t for you, you can also explore their settlement program.

The company provides a range of different consolidation programs, but mainly includes refinancing with all of their options. They are able to give many customers a new interest rate of below 4%, which can have an incredible impact on your life. In addition, you may be able to change around the term times to better suit your payment structure. If you’re looking for a company that offers a range of solutions, this is one of the most accessible options.


The Critics

One of the most important things to consider when looking at debt consolidation companies is the reviews that the company receives. Often, companies make themselves out to be stellar performers, but their past clients say otherwise. A company’s reputation with its customers should never be overlooked. Working with a lender that has a bad track record can be more painful than you think – hidden fees, poor customer services, and dodgy contracts can end with a horrible experience.

In order to get a gauge on how National Debt Relief performs with consumers, we’ve taken a look at a range of different consumer watchdog groups so we can get a better understanding of how they are regarded by past customers. Have a look at all the information below if you’d like to see how this company has performed with consumers.


Better Business Bureau

The Better Business Bureau has awarded National Debt Relief with an A+ rating and 4.92 out of 5 stars based on customer reviews. The Better Business Bureau is one of the largest consumer watchdog groups in the world. They monitor companies and how their clients regard their services – they also manage disputes between companies and previous customers who believe they are entitled to refunds or compensation. They have one of the best reputations in the industry.


Trust Pilot

Trustpilot, an independent online business review platform, has awarded National Debt Relief with 9.3 out of 10 stars. Reviews are provided by customers who also provide the ranking. The main complaint filed by customer reviews is the lack of good customer interaction skills. While this is an important component of customer satisfaction, it is not as big of a red flag as more nefarious complaints.



TopTenReviews, on online product and service review platform, has given National Debt Relief 9.55 stars out of 10. The site has stated the major benefit to using National Debt Relief is the average debt reduction of 30% they obtain for their customers. The major disadvantage was the lack of a live chat for customer support. They have award National Debt Relief as a Gold Award Winner for the debt relief industry.


Consumer Affairs

ConsumerAffairs is an online company that provides consumer news and allows for brands to connect with consumers. They have awarded National Debt Relief with a 4.9 out of 5 stars rating, as well as ConsumerAffairs accreditation. ConsumerAffairs is another watchdog group with an exceedingly good reputation – they’re in the same league as the Better Business Bureau.



If you’ve been thinking about debt consolidation for a long time, there’s never a better time to get started. It truly is one of the most consequence-free decisions you can make financially. The one thing that is important to keep in mind is that debt consolidation and refinancing works best for private student loans. Government student loans have many attached benefits that will be lost if you refinance them – that’s why you should make sure that you’re aware of what you’re sacrificing if you decide to do so.

In terms of customer satisfaction, the sources used for this review are some of the most popular and widely used review and rating sites on the web. With all five organizations giving National Debt Relief high ratings and positive reviews, it is safe to say that using their services would help you with your debt issues. However, everyone’s case is unique — to find out exactly what they can do for you, you will have to contact them.

Remember, National Debt Relief provides a range of different solutions – if you don’t think consolidation will be able to help you get out of the hole you’re in, debt settlement may be a process that you’re willing to undertake with them. Regardless, all their services have a great reputation — they’re definitely worth working with.