You could consolidate debts and…
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Pay less each month. -
Eliminate high interest rates. -
Reduce time to get out of debt.
Best Debt Consolidation Companies in 2025
What’s the best company for you?
Well, it depends on your situation. How much repayment help do you need? Some companies will provide a modest amount of help by reducing your interest rate and by consolidating payments. While others may be able to lower what you pay each month and provide you with repayment concessions. That is why our experts provide a relief rating from excellent to fair.
It’s important to understand that there are no instant fixes when it comes to debt. It’s a gradual process that necessitates partnering with a reputable company, crafting a personalized plan, and sticking to it.
Top Picks
Last Updated: January 2025
2025 Debt Company Ratings
Our 2025 Top Pick
Rating
9.8
Excellent
Get Out Of Debt!
One Low Monthly Payment
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The website offers a free online savings estimate where results are provided in minutes. -
9K+ positive client reviews. -
Good fit when you have at least $10,000 in debt. -
Not a good option if most of your debt is from medical or student loans.
#2
Rating
9.1
Very good
Get Started
Consolidation Options
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Offers personalized loan and loan alternative solutions. -
No minimum credit score required. -
Free online debt evaluation to assess your situation. -
Good fit when you are looking to consolidate high interest debt into one payment.
#3
Rating
8.9
Very Good
Get Started
Non-Profit Credit Counseling
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Celebrating 30 years of service and education. -
Minimum debt amount: $7,500. -
Good fit if you can afford your current minimum payments. -
Less popular when debt owed is $20,000 and above.
#4
Rating
8.1
Good
Get Started
Compare Rates and Loan Offers
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Compare Rates and Loan Offers -
Minimum personal loan amounts of $600. -
Good fit when you have high interest rates and near perfect credit. -
Repayment relief is modest and the solution benefit is somewhat dependent on your credit scores.
#5
Rating
9.8
Excellent
Get Started
Compare Rates and Loan Offers
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Compare prequalified offers from multiple lenders. -
Minimum personal loan amounts of $500. -
Free to use, no hidden fees.