National Debt Relief debt consolidation review

National Debt Relief offers a reputable debt consolidation service that most customers are quick to praise.

National Debt Relief
(Image: © National Debt Relief)

Top Ten Reviews Verdict

National Debt Relief is undoubtedly the customer's choice among debt consolidation solutions, enjoying outstanding reviews and an A+ rating from the Better Business Bureau. Information might initially be a little hard to find, but talk to the National Debt Relief counselors, and everything - including your debt - is likely to become clear.


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    Outstanding customer reviews

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    Dedicated counselor service

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    No initial impact on credit score


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    Low maximum loan amount

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    Need to call to get started

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National Debt Relief has been helping Americans to better manage their debt since 2008, firmly establishing itself as one of the best debt consolidation companies in the decade since. Operating nationwide, National Debt Relief enjoys a strong reputation among past customers and boasts an A+ rating at the Better Business Bureau (BBB), alongside a raft of positive reviews. 

National Debt Relief's debt consolidation service works by using the funds from the loan that it approves to directly pay off the creditors that you owe money to, removing the need for you to manage any admin yourself. If debt consolidation isn't sufficient to improve your debt situation, National Debt Relief ranks among the very best debt settlement companies as well. 

National Debt Relief review: Application process

Consolidate your debt

If you're struggling under the weight of debt, National Debt Relief could help get your finances back on track. Contact them to see how they could help you today.

  • Loans paid directly to the creditors
  • Prequalify without affecting credit score

As you might expect, National Debt Relief needs to find out as much about your debt situation as possible before working out how best it can help. Ultimately this means talking your situation through with a debt counselor at National Debt Relief, either by calling the toll-free number straight away, or filling in a short questionnaire to get a free debt relief quote, and then waiting for them to ring you to discuss. 

While it might not be as fast as some online services that will quickly let you know what kind of loan you’re eligible for and the APR you might expect, there's added reassurance that you'll find the best relief solution for you, and that the immediate application process won’t impact your credit score.

National Debt Relief review: Essential details

  • Loans from $2,000 to $35,000
  • Payback periods from 24-60 months

In order to qualify for the National Debt Relief, you must owe more than $7,500 and be "several" months behind in your payments. As a company, it is willing to work with debt built up on credit cards, store cards, bank loans, from finance companies, instalment loans and unsecured loans. Student loans are a possibility, but National Debt Relief will not be able to help you with mortgages, auto loans, and a number of other types of debt listed on its website. 

Loan amounts typically range from $2,000 to $35,000, and payback periods from 24 to 60 months, but as the relief package is tailored to your particular circumstances, exactly how much you can consolidate and the rates you might pay only become clear once you've discussed your situation with a debt counselor. The parameters within which National Debt Relief are willing to lend are in line with what most debt consolidation companies typically offer. However, if you have significantly larger debts, or want a longer repayment term, LightStream will listen to those who have debts of up to $100,000, and allows loans to be paid back over as long as seven years. 

National Debt Relief review: Features

  • Online management tools
  • Upfront about risks

National Debt Relief has an online portal allowing its customers to log in and use a variety of online tools to manage their money. These tools range from debt consolidation information through to interest rate calculators and helpful videos. Even without signing up to its services, the National Debt Relief website offers a host of how-to videos and articles that explain what debt consolidation is and how it works. The company doesn’t mince its words either; it goes straight into the details of the risks that come with debt consolidation, why it won't be the best choice for everyone, and what to look out for.

National Debt Relief debt consolidation review

(Image credit: National Debt Relief)

While the information isn't as clear or detailed as that offered by InCharge Debt Solutions, the service that we consider the best at educating struggling borrowers, National Debt Relief makes a good effort at pre-empting any questions you might have and providing answers on site. There's also an entire section that breaks down what you MIGHT pay for a debt consolidation loan if you have a good or bad credit score across several different amounts. However, finding out specifically what the company itself will offer you isn't so straightforward, and will only become clear once you've talked to a counselor.

National Debt Relief review: Service

  • Hugely positive reviews
  • A+ rating at BBB

Making National Debt Relief really stand out is the overwhelming positivity of the reviews that its past customers feel compelled to write. At the Better Business Bureau, National Debt Relief is accredited with an A+ rating and enjoys an excellent customer rating of 4.2 out of 5 stars across almost 1,000 reviews. The company is lauded for being "very professional" and making "it so easy to understand", while the customer representatives receive regular praise for their knowledge, sensitivity and support through the process. 

Similar customer positivity over their experience with National Debt Relief can be found at Consumer Affairs as well, where the average satisfaction rating is close to a full 5 out of 5 stars from over 5,500 reviews. It's a remarkable rating to achieve over such a high amount of testimonials, and something that shouldn't be overlooked when considering the merits of National Debt Relief. 

Should you use National Debt Relief debt consolidation?

If you're someone who values the experiences of others above all else when it comes to choosing services, National Debt Relief is undoubtedly the debt consolidation company for you. The vast majority of past customers cannot praise National Debt Relief highly enough for the help it has provided in helping them to better manage their debts. 

The absence of rate and term information online means you have little choice but to speak to someone to get a quote, so if you're someone who prefers to simply figure things out for yourself, perhaps National Debt Relief isn't for you. Make the call, however, and it's almost certain you won't be disappointed with the service you receive and the results that the company will deliver.

Consolidate your debts with National Debt Relief

Consolidate your debts with National Debt Relief

Find out if you qualify for debt relief and how quickly you could be debt free by contacting National Debt Relief. 

Tamsin Oxford

Tamsin Oxford is a freelance technology journalist with a career that spans numerous platforms, technology solutions, markets and industries. She has written and edited numerous technology publications that include PC Zone, PC Format, PC Answers, PC World and many more. Tamsin has written about many different subjects during her time working across Top Ten Reviews.