Our #1 Rated 2025 Debt Consolidation Program 🏆

Your debt becomes their personal mission

You're perfect for Pacific if: You have $10,000+ in credit cards or other unsecured balances, hate automated systems, and want someone who remembers your name and your story.

Remember when companies actually cared? Pacific Debt still does. You get one dedicated guide—not a rotating call center script.

They learn your story, track your milestones, and celebrate right alongside you when the first creditor signs off on a new payoff.

Pacific Debt leans into steady progress over hype. Think real people, one predictable deposit, and weekly check-ins so your stress level stays in check.

Twenty-three years in, they’ve helped eliminate more than $500 million in balances. No chatbots, no hold music—just a direct line to someone who actually cares.

Good fit if: you want guided payoff negotiations with clear expectations, typically with $15k+ unsecured debt.

Finally, debt solution that fits in your pocket

You're perfect for Accredited if: You manage everything on your phone, need flexibility beyond a single tactic, and work weekends so weekday calls are impossible.

Accredited gets it—you’re juggling kids, jobs, and crushing debt. The app shows progress at 2 a.m., pings you the second a payoff term updates, and lets you message your specialist without phone-tag drama.

If you want someone to meet you where you are, Accredited maps out more than one route. They’ll tee up a consolidation loan if you qualify or pivot to a negotiated payoff plan if it saves more.

That flexibility builds real breathing room—no forcing you into a plan that never fit.

They've helped 700,000 people escape debt hell. Their customer service team works weekends because debt doesn't take Saturday off. Every review mentions how the team actually listens instead of just selling.

Good fit if: you want a try‑this‑then‑that approach (loan or negotiated payoff) with straightforward fine print.

The name you know when everything else feels sketchy

You're perfect for JG if: You need the security of a household name, live in one of their 50 states, and don't mind paying more for peace of mind.

That jingle stuck in your head for a reason – they've spent millions making sure you remember them when debt gets overwhelming. And honestly? That brand recognition means something when you're trusting someone with your financial life.

Need the simplicity of one monthly program payment? JG Wentworth repackages the messy creditor calls into a tidy, “here's the plan” experience.

The predictability—and the steady education along the way—keeps your stress in check.

With offices that have been there since 1991, they're not going anywhere. Call until 10pm EST any weeknight when anxiety keeps you up.

Good fit if: you want a brand stability, a single payment, and a well-explained roadmap.

Built for heroes and hardworking families

You're perfect for TurboDebt if: You served our country, primarily speak Spanish, or want enthusiastic support from a newer company with proven backing.

Veterans: FINALLY someone who understands VA benefits, disability complications, and military financial challenges. TurboDebt has dedicated specialists who speak "military" and know exactly how to protect your benefits while eliminating civilian debt.

TurboDebt works like a guide + connector. Real humans listen, map your situation, and point you toward a consolidation or payoff plan you can actually live with.

The tone stays encouraging, practical, and non-judgy—huge when motivation is fragile.

Para familias hispanas: Servicio completo en español. No more struggling with financial terms in your second language when you're already stressed about money.

Good fit if: you want high‑touch guidance and help comparing payoff paths without doing it all solo.

The fast lane to "Which one's right for me?"

Not sure where to start? Kick Debt is not the provider; it's the matchmaker. You answer a few questions and get pre‑qualified options from vetted partners—fast.

The emotional win: you'll see viable routes sooner, without booking five separate calls. It's great when you don't know what you qualified or not qualified. The simple easy form takes care of it for you.

Good fit if: you want to connect with the right partner for you depending on your situation.

When a small cash cushion changes everything

Car repair. Travel to see family. An unexpected bill you didn't plan for. Credit Mutual Trust is a loan‑matching portal built for those "I just need to get through this week" moments. Submit a quick form, see a decision in minutes, and—if matched and approved—get funds as soon as the next business day. It's free to use, available anytime online, and designed to be simple so you can exhale and move on with your life.

Credit Mutual Trust is a loan‑matching site—not a lender—focused on short‑term loans up to $5,000. The draw is speed (decision in minutes; funds as soon as next business day), but remember: this is a cash‑bridge, not a consolidation or negotiation plan. Use it to stabilize, then revisit longer‑term solutions.

Good fit if: you need quick cash to prevent a crisis and can repay soon.

Stop guessing. See who wants YOUR business.

You're perfect for Loanzaplus if: You're tired of applying to lenders who reject you, want to see your ACTUAL approval options upfront, and need to stop wasting time on dead ends.

Here's the breakthrough: Instead of you hunting through dozens of lenders hoping someone says yes, 50+ lenders review your ONE application and show you who's actually interested. You see real terms from lenders who already want to work with you.

The same team that runs Credit Mutual Trust built this matching service to solve the most frustrating part of getting a loan: the uncertainty. Fill out one application and immediately see which lenders are ready to approve you and what they're offering.

Good fit if: you want to see your real approval options quickly and prefer "show me who'll approve me" over researching lenders that might say no.

When you want to SEE every option before you commit to anything

You're perfect for NerdWallet if: You're the person who reads reviews before buying anything, wants to UNDERSTAND what you're signing, and refuses to apply blindly without seeing all options first.

Here's what makes NerdWallet different: You can browse their entire comparison table WITHOUT filling out anything. Filter by your credit score, loan amount, and state. See rates from 35+ lenders right there on the screen before anyone pulls your info.

When you're ready, their pre-qualification shows personalized offers from $2,000-$100,000. Still no credit hit. Compare APRs side-by-side. Read expert reviews. Use calculators. Then — only then — apply to your top choice. Plus you get free credit score tracking and guides that actually explain financial terms.

Good fit if: you want to compare everything thoroughly, see all your options upfront, and make an informed, educated decision rather than a rushed one.