Best Debt Consolidation Loans USA

Most People Qualify

“Average Clients Save”

100

End Debt Stress For Good
Reduce multiple bills to just one simple, affordable monthly payment

“Average Clients Save”

100

Stop paying sky-high interest rates
Reduce what you owe by up to 47%
Clear your debt in 12-48 month

Check If You Qualify

No Credit Pull Necessary

How It Works
You stay in control — our debt experts do the heavy lifting.

Talk to us for a free consultation

Tell us about your situation. We’ll review your options and show you your best path to real debt relief — with zero obligation.

We build an affordable plan that fits your life

Approve a personalized plan from our suite of proven debt-relief solutions. One clear path. One manageable monthly payment.

Get out of debt faster than you think

Most clients become debt-free in 24–48 months. Take back control, reduce stress, and start your fresh financial future.

We Have Helped Consolidate
Over $250 Million In Debt

Melissa A.

Brentwood, CA

“This gave me so much breathing room for actually living. Credit cards and student loans can weigh you down very fast.”

Total Debt $49,365
Monthly Payments $739
Total Saving $12,102

Andrew J.

Tempe, AZ

“I never thought I could get out of this hole. They gained my trust from day 1.”

Total Debt $61,432
Monthly Payments $684
Total Saving $15,068

Joanne H.

Dallas, TX

“I was struggling as a single mother with these high interest credit card balances. This save us.”

Total Debt $37,501
Monthly Payments $465
Total Saving $13,754

Melissa A.

Brentwood, CA

“This gave me so much breathing room for actually living. Credit cards and student loans can weigh you down very fast.”

Total Debt $49,365
Monthly Payments $739
Total Saving $12,102

Andrew J.

Tempe, AZ

“I never thought I could get out of this hole. They gained my trust from day 1.”

Total Debt $61,432
Monthly Payments $684
Total Saving $15,068

Joanne H.

Dallas, TX

“I was struggling as a single mother with these high interest credit card balances. This save us.”

Total Debt $37,501
Monthly Payments $465
Total Saving $13,754

Check If You Qualify

No Credit Pull Necessary

Frequently Asked Questions

Who is DEBT1 and why should I trust you?

At DEBT1, we believe trust is built—not claimed. That’s why we start by listening. When we understand your goals, challenges, and financial reality, we can create a debt relief strategy that truly works for you.

Thousands of clients have chosen DEBT1 because we’re transparent, we put your interests first, and our success is directly tied to your results. We only win when you do.

What services can you offer me?

DEBT1 specializes in one thing—and we do it exceptionally well: Debt Settlement.

Our certified debt experts evaluate your financial situation and build a tailored plan that helps you:

• Reduce what you owe
• Replace multiple high-interest bills with one manageable monthly program payment
• Resolve debt faster and for significantly less than paying minimums

We focus 100% on debt settlement because it’s one of the most effective ways for struggling consumers to get real relief, real savings, and a real fresh start.

How does debt settlement work?

Debt settlement is a proven process that allows you to resolve your debt for less than what you owe. Here’s how it works:

1. You make one affordable monthly payment into your program—not to your creditors.
2. DEBT1 negotiates on your behalf, working to reduce your balances directly with your creditors.
3. Once settlements are reached, funds from your program are used to pay the negotiated amounts.
4. Your debts get resolved, one by one, until you’re debt-free.

Most clients save thousands—and finish faster—compared to years of making minimum payments that barely touch the principal.

How much do your services cost?

DEBT1 charges a performance-based fee—meaning we don’t earn anything until we successfully settle your debt.

Our fees are typically 15–29% of your enrolled debt, depending on your state and the specifics of your situation. Even after fees, most clients see substantial savings versus continuing to pay high-interest credit cards.

Real client example:
Olivia came to DEBT1 owing $21,672 across credit cards and a personal loan. Her payments were over $1,014/month— too much after transitioning to a fixed income.

We helped her set up a manageable $371/month plan with an estimated program length of 48 months.

Thanks to negotiated settlements, Olivia’s total debt is estimated to resolve for about $16,232 instead of the $62,230 she would have paid by sticking to minimum payments.

Get Rid of Debt
and Keep More of Your Money