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Our Top Debt Relief Picks for 2026
We've researched and compared the top debt consolidation and personal loan options to help you make an informed decision.
National Debt Relief
- No upfront fees
- Free consultation
- Accredited by IAPDA
- A+ BBB rating
Free to check, no impact to credit
SoFi
- No origination fees
- Unemployment protection
- Fast funding (same day possible)
- Rate discounts available
Free to check, no impact to credit
LendingClub
- Accepts fair credit (600+)
- Joint applications allowed
- Direct creditor payment option
- No prepayment penalty
Free to check, no impact to credit
Upgrade
- Accepts fair credit (580+)
- Fast approval process
- Credit monitoring included
- Multiple loan options
Free to check, no impact to credit
Rankings are based on editorial opinion. We may receive compensation when you click on links.
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Debt Consolidation
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Become Debt-Free
Make one simple monthly payment and watch your debt disappear. Most people are debt-free in 24-48 months.
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