Your lifeline out of debt
From credit cards to student loans and beyond, we’ll help you navigate toward becoming debt free faster.
Get Relief
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Download the Relief app
Link your debt
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Find your savings
Get relief from credit card debt
Lower your balances, reduce your payments, and lower your APR as we help you navigate out of credit card debt.
Get credit card relief
Get relief from student loan debt
From forbearance, lowering your monthly payments, and pausing your loans, we’ll help you stay on course with your student loans.
Get student loan relief
Your shield in uncertain waters
We make sure you’re never adrift — if your creditors takes legal action, you’ll have legal support on your side to keep your debt-free journey on course.
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Trusted by 160,000+ users
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11/10/2024
Must use
I had very low expectation for this app when I first signed up for it. But it took least turn a week for me to see this is a must use app. I’ve already recommended this to anyone I know who may be struggling to pay off debt. They save you so much money while streamlining the process. This app is a must use for anyone needing any extra boost or motivation to paying off their debt. jajaajjjjjapsidasdjasdjasldsaldasdlsadnasldnasldn
01/03/2025
Saved over $1000!
A game-changer for me. It's user-friendly and gives straightforward advice on how to boost your credit score. The credit monitoring feature is super helpful, and I love the personalized recommendations. I’ve already seen improvements in my score and feel more confident about my financial future. Highly recommend for anyone wanting to take control of their credit.
01/04/2025
Surprised (it was super helpful)
I was very hesitant to give my info etc. So many scams out there that say they can help. My debt has been haunting me, and I’m a massive procrastinator. I was excited to see an app but was still skeptical. I gave it a shot and it actually reduced my debt by hitting up the creditors for me. It was simple and worked just like they said it would. I know it’s new and can’t help every account I have but I think if it can help you then do it.
03/10/2025
Finally a Debt Solution That Works!
Relief is not only incredibly effective but also very well designed. It helped me negotiate with creditors, lower my payments, and stay on track with a clear plan. The interface is smooth, easy to use, and makes managing debt feel less overwhelming. Highly recommend!
01/05/2025
It actually works
Here is the thing, it does not work for all of my debts. I read that they are in the process of expanding to add on new creditors, and I’m looking forward to that. I was very pleased with the amount they were able to get from my creditors. If I had one major piece of feedback it is to let people know that the amount of money saved doesn’t depend on the app, it’s up to the creditors. This just makes it very easy to negotiate your balance down (which is very helpful). I would tell you that if you need help, try this app before doing it on your own.
01/27/2025
Great money saver in debt
I was nervous to try this app out thinking it wouldn’t work out in my favor but it did. I have a good amount of debt so I tried a small account first. I paid the fee and 2-3 days later I received a message saying my amount was lowered by 60%. Was hoping I could just pay through relief but you have to go through the collections agency for payment options. That was my only downside to what I was hoping for. Definitely recommend using relief. Will continue to use for other debts.
11/10/2024
Must use
I had very low expectation for this app when I first signed up for it. But it took least turn a week for me to see this is a must use app. I’ve already recommended this to anyone I know who may be struggling to pay off debt. They save you so much money while streamlining the process. This app is a must use for anyone needing any extra boost or motivation to paying off their debt. jajaajjjjjapsidasdjasdjasldsaldasdlsadnasldnasldn
01/03/2025
Saved over $1000!
A game-changer for me. It's user-friendly and gives straightforward advice on how to boost your credit score. The credit monitoring feature is super helpful, and I love the personalized recommendations. I’ve already seen improvements in my score and feel more confident about my financial future. Highly recommend for anyone wanting to take control of their credit.
01/04/2025
Surprised (it was super helpful)
I was very hesitant to give my info etc. So many scams out there that say they can help. My debt has been haunting me, and I’m a massive procrastinator. I was excited to see an app but was still skeptical. I gave it a shot and it actually reduced my debt by hitting up the creditors for me. It was simple and worked just like they said it would. I know it’s new and can’t help every account I have but I think if it can help you then do it.
03/10/2025
Finally a Debt Solution That Works!
Relief is not only incredibly effective but also very well designed. It helped me negotiate with creditors, lower my payments, and stay on track with a clear plan. The interface is smooth, easy to use, and makes managing debt feel less overwhelming. Highly recommend!
01/05/2025
It actually works
Here is the thing, it does not work for all of my debts. I read that they are in the process of expanding to add on new creditors, and I’m looking forward to that. I was very pleased with the amount they were able to get from my creditors. If I had one major piece of feedback it is to let people know that the amount of money saved doesn’t depend on the app, it’s up to the creditors. This just makes it very easy to negotiate your balance down (which is very helpful). I would tell you that if you need help, try this app before doing it on your own.
01/27/2025
Great money saver in debt
I was nervous to try this app out thinking it wouldn’t work out in my favor but it did. I have a good amount of debt so I tried a small account first. I paid the fee and 2-3 days later I received a message saying my amount was lowered by 60%. Was hoping I could just pay through relief but you have to go through the collections agency for payment options. That was my only downside to what I was hoping for. Definitely recommend using relief. Will continue to use for other debts.
11/10/2024
Must use
I had very low expectation for this app when I first signed up for it. But it took least turn a week for me to see this is a must use app. I’ve already recommended this to anyone I know who may be struggling to pay off debt. They save you so much money while streamlining the process. This app is a must use for anyone needing any extra boost or motivation to paying off their debt. jajaajjjjjapsidasdjasdjasldsaldasdlsadnasldnasldn
01/03/2025
Saved over $1000!
A game-changer for me. It's user-friendly and gives straightforward advice on how to boost your credit score. The credit monitoring feature is super helpful, and I love the personalized recommendations. I’ve already seen improvements in my score and feel more confident about my financial future. Highly recommend for anyone wanting to take control of their credit.
01/04/2025
Surprised (it was super helpful)
I was very hesitant to give my info etc. So many scams out there that say they can help. My debt has been haunting me, and I’m a massive procrastinator. I was excited to see an app but was still skeptical. I gave it a shot and it actually reduced my debt by hitting up the creditors for me. It was simple and worked just like they said it would. I know it’s new and can’t help every account I have but I think if it can help you then do it.
03/10/2025
Finally a Debt Solution That Works!
Relief is not only incredibly effective but also very well designed. It helped me negotiate with creditors, lower my payments, and stay on track with a clear plan. The interface is smooth, easy to use, and makes managing debt feel less overwhelming. Highly recommend!
01/05/2025
It actually works
Here is the thing, it does not work for all of my debts. I read that they are in the process of expanding to add on new creditors, and I’m looking forward to that. I was very pleased with the amount they were able to get from my creditors. If I had one major piece of feedback it is to let people know that the amount of money saved doesn’t depend on the app, it’s up to the creditors. This just makes it very easy to negotiate your balance down (which is very helpful). I would tell you that if you need help, try this app before doing it on your own.
01/27/2025
Great money saver in debt
I was nervous to try this app out thinking it wouldn’t work out in my favor but it did. I have a good amount of debt so I tried a small account first. I paid the fee and 2-3 days later I received a message saying my amount was lowered by 60%. Was hoping I could just pay through relief but you have to go through the collections agency for payment options. That was my only downside to what I was hoping for. Definitely recommend using relief. Will continue to use for other debts.
FAQs
Frequently asked questions
How long will it take to resolve my debt?
Everyone's situation is different. Here's how long each Relief product may take to help you reach the finish line.
Debt Reduction
Once your creditor grants you a balance reduction, they’ll share repayment terms in an agreement letter that you can review and download in the app. Creditors can take up to 60 days to review your request and provide a decision. Each reduction is unique — some debts may be paid off in a few months, while others could take longer depending on your agreement. After your final payment, your creditor will provide a letter confirming your debt is fully paid.
Student Loan Relief
After submitting your new repayment plan application, federal servicers typically take 4–8 weeks to process and approve your plan. You’ll receive updates directly from your servicer once your new monthly payment amount and plan start date are set. Relief will notify you once your application status changes or is approved.
Payoff Loans
If you’re prequalified for a payoff loan, most lenders provide loan offers within minutes to a few hours after you submit your application.
Once approved and accepted, funds are typically deposited within 1–5 business days.
What types of debt does Relief help with?
Relief helps with credit cards, student loans, personal loans, collections debt, and past-due medical debt. We currently don’t support car loans or mortgages. (yet! 👀).
Will my credit score be affected?
Relief does not run any hard credit checks — only a soft pull to find your accounts.
Debt Reduction
If you’re requesting a reduction, your credit score may already be affected by missed payments.
Once your debt is resolved and marked as “settled” or “paid,” your score can begin to recover over time.
Payoff Loans
Relief does not run hard credit checks, but lenders may perform one when you apply for a loan offer. This can cause a small, temporary dip in your score.
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