In today’s world of rising inflation, student loan uncertainty, and credit card interest rates topping 25%, millions of Americans are struggling to manage their debt. If you’re one of them, you’ve likely come across Debt.com, a popular platform promising debt relief solutions, financial education, and access to certified professionals.
But what exactly is Debt.com? Is it legit? And more importantly—can it help you eliminate your debt in 2025?
In this detailed review, we’ll explore:
- What is Debt.com?
- How it works
- Services offered
- Pros and cons
- Cost and pricing
- Is Debt.com legit and safe?
- Who it’s best for
- Final verdict and FAQs
What Is Debt.com?
Debt.com is a financial education and debt relief referral platform that connects consumers with certified debt experts and service providers. It doesn’t provide debt consolidation or settlement services directly—instead, it partners with vetted agencies and companies that offer these services.
Founded in 2013, Debt.com has grown into one of the most comprehensive online destinations for managing and resolving all kinds of debt, including:
- Credit card debt
- Student loans
- Medical bills
- Tax debt
- Collections
- Bankruptcy consultations
How Debt.com Works
Debt.com simplifies the process of finding debt help by offering a free consultation and connecting you with the right type of solution for your unique situation.
Here’s how it works:
- Fill out a short form with your debt amount, type of debt, and basic contact info.
- Get matched with certified providers based on your needs (e.g., credit counseling, debt consolidation, or settlement).
- Speak with a debt professional to explore your options.
- Choose a plan and start taking steps toward financial freedom.
Services Offered by Debt.com
💳 1. Credit Card Debt Relief
Debt.com connects you with providers that offer:
- Debt consolidation loans
- Debt management plans (DMPs)
- Debt settlement services
These solutions help reduce monthly payments, lower interest, and in some cases, settle debt for less than you owe.
🎓 2. Student Loan Assistance
Get help with:
- Federal loan repayment options (IDR plans, deferment, forbearance)
- Student loan consolidation
- Forgiveness programs (PSLF, teacher forgiveness, etc.)
- Private loan refinancing
🏥 3. Medical Debt Solutions
Debt.com partners can help negotiate medical bills, consolidate healthcare-related debt, and create affordable payment plans with providers or hospitals.
🧾 4. Tax Debt Relief
If you owe the IRS or state tax agency, Debt.com helps connect you with:
- Enrolled agents and CPAs
- Tax attorneys
- Settlement services like Offer in Compromise (OIC)
- Installment agreements
💼 5. Bankruptcy Referrals
If debt settlement or repayment plans aren’t possible, Debt.com will refer you to a licensed bankruptcy attorney to explore Chapter 7 or Chapter 13 filings.
🧠 6. Credit Counseling
Work with certified nonprofit credit counselors who can:
- Review your financial situation
- Recommend a tailored plan
- Help you manage money, rebuild credit, and avoid future debt
📚 7. Free Tools & Resources
Debt.com offers an extensive library of articles, calculators, and guides on:
- Budgeting
- Saving
- Credit repair
- Debt payoff strategies
- Personal finance education
Pros and Cons of Debt.com
✅ Pros:
- Free consultations with no obligation
- Wide range of debt relief options
- Only works with certified, reputable partners
- Covers all major types of debt
- Helpful online education tools and calculators
❌ Cons:
- Not a direct service provider (acts as a middleman)
- Lead generation model may result in follow-up calls from multiple companies
- Results and pricing vary based on the provider you’re matched with
Is Debt.com Legit and Safe?
Yes—Debt.com is 100% legitimate. It’s a BBB-accredited business with an A+ rating, and it partners with organizations that are:
- NFCC (National Foundation for Credit Counseling) certified
- Accredited by the American Fair Credit Council (AFCC)
- Licensed and bonded in their respective states
Data Privacy: Your information is encrypted and only shared with relevant financial professionals. However, as with any lead-generation service, you may receive follow-up calls or emails.
Cost and Pricing
Debt.com itself is free to use. You won’t pay anything to get matched or to speak with a counselor.
However, if you choose to work with one of their partners, you may pay for:
| Service | Average Cost |
|---|---|
| Credit Counseling | Often free or low-cost (nonprofit) |
| Debt Management Plan | ~$30–$50/month setup fee; ~$25–$75/month ongoing |
| Debt Settlement | 15%–25% of total enrolled debt |
| Tax Relief | $1,500–$5,000 (based on complexity) |
| Student Loan Help | Often free for federal loans (some providers charge fees for private loans) |
| Bankruptcy | $1,000–$2,500+ depending on case and state |
Tip: Always ask for a clear breakdown of costs before agreeing to any plan.
Who Should Use Debt.com?
Ideal For:
- People with $5,000+ in credit card debt
- Consumers behind on student loans or medical bills
- Those being harassed by collection agencies
- Individuals facing IRS or state tax debt
- People exploring bankruptcy as a last resort
Not Ideal For:
- People who prefer to work directly with one provider
- Those only needing budgeting help (though tools are available)
- Individuals with less than $1,000 in total debt (DIY solutions may be better)
Alternatives to Debt.com
🔹 National Debt Relief
One of the largest direct debt settlement companies in the U.S. Offers more hands-on management but charges higher fees.
🔹 Credit Karma & NerdWallet
Provide educational content and tools, but don’t connect you with actual debt relief programs.
🔹 NFCC.org
Offers nonprofit credit counseling directly from certified member agencies.
FAQs About Debt.com
Q: Is Debt.com free?
Yes, the platform is free to use. You only pay if you enroll in a program with a partner company.
Q: Can Debt.com help with student loans?
Yes, they offer resources and referrals for both federal and private loan solutions.
Q: Will Debt.com hurt my credit score?
Speaking with a counselor won’t affect your score. However, debt settlement or missed payments during negotiation may lower your score temporarily.
Q: How fast can I get out of debt?
Depending on the solution, you could be debt-free in 12 to 60 months.
Q: Can I trust the companies Debt.com recommends?
Yes, they vet providers for accreditation and regulatory compliance—but it’s still smart to research any company before signing up.
Final Verdict: Is Debt.com Worth It in 2025?
✅ Yes—Debt.com is a trustworthy, user-friendly platform that connects overwhelmed consumers with real, vetted debt relief options. It’s a great place to start if you’re drowning in debt, unsure where to turn, and need help comparing solutions.
It’s not a magic wand, but for many Americans, Debt.com is the first step toward freedom, clarity, and control over their finances.
Whether you’re dealing with $5,000 in credit card debt or $50,000 in student loans, Debt.com can point you in the right direction.
🚀 Ready to take the first step toward a debt-free life?
👉 Visit Debt.com and schedule your free debt consultation today.