NDA Freedom from Debt logoNational Debt Assistance

Get Your Freedom from Debt

See if you qualify for a debt consolidation loan or program. Call now for a free, no-obligation consultation.

Free consultation · No upfront fees for debt relief programs · Results vary

Interactive Tools

See where you stand

Use these quick estimators to understand your debt timeline and potential savings. Estimates only — actual results vary.

Debt Repayment Calculator

Estimate how long it will take to pay off your debt at your current payment.

Payoff time
7y 1m
Total interest
$14,750
Total paid
$29,750

Program Savings Estimator

See potential savings if your debt is reduced through a settlement program.

Potential savings at 40% reduction
$8,000
Potential savings at 50% reduction
$10,000

Illustrative only. Settlement results depend on creditor negotiation, fees, and individual circumstances. Programs may impact your credit score.

Disclaimer: Estimates only. Actual results vary. Settlement programs typically involve fees and may negatively impact your credit. Not a guarantee. Consult with a qualified financial professional before enrolling in any program.

See If You Qualify

See If You Qualify for Debt Relief

Answer a few quick questions to see your options. Takes less than a minute.

Step 1 of 40%

Approximately how much unsecured debt do you have?

Credit cards, personal loans, medical bills, etc.

How it works

A clear path forward

Hybrid approach — try for a loan first, then settlement options through trusted partners if needed.

  1. 01

    Reach out

    Call us or fill out the short form. A specialist will review your situation — no pressure, no obligation.

  2. 02

    Loan options first

    We help check whether you qualify for a debt consolidation loan to simplify and potentially lower your payments.

  3. 03

    Explore programs

    If a loan isn't the right fit, we connect you with trusted partners who may help reduce qualifying unsecured debts.

  4. 04

    Start your path

    You choose the option that fits. We support you through enrollment so you can move toward freedom from debt.

Why NDA

Built on trust, not pressure

Experienced team

Specialists who have guided thousands of consumers through debt-relief decisions.

Reputable partners

We work with established lenders and accredited debt-relief programs.

No upfront settlement fees

For settlement enrollments, you don't pay program fees until a debt is settled and you approve it.

Clear, honest guidance

Plain-English answers about pros, cons, costs, and credit impact — so you can decide with confidence.

What clients say

Real guidance, real relief

Testimonials reflect individual experiences. Results vary.

"They walked me through every option and never pushed me. I finally feel like I have a plan."
M. Rivera · Texas
"I qualified for a consolidation loan and cut my monthly payments. Straightforward and respectful."
J. Patel · Florida
"After years of stress, having one number to call made a huge difference."
K. Thompson · Ohio
SSL Secured Confidential consultation Information kept private
Our partners

Working with established names in debt relief

Trusted Lender Network
Accredited Debt Relief Programs
Licensed Financial Specialists
FDCPA-Compliant Partners
Free consultation

Talk to a specialist today

Share a few details and a specialist will reach out — usually within one business day. Prefer to talk now? Call (800) 555-0123.

  • Free, no-obligation review
  • Loan options checked first
  • Settlement guidance through partners if needed

By submitting, you agree to be contacted by NDA or its partners about debt-relief options. This is not an application for credit. Results vary; consult a qualified professional before enrolling in any program.