Your lifeline out of debt
From credit cards to student loans and beyond, we’ll help you navigate toward becoming debt free faster.
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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.
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! 👀).
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.
