---
title: Didn’t qualify for debt consolidation? Debt relief could help
description: If you’ve been turned down for a debt consolidation loan, you’re not out of options. Consolidation isn’t the only way to tackle debt. For many…
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> **Disclosure:** This article was made possible through advertising relationships with one or more of the advertisers listed on this page whose products and services we think our readers will find valuable. This article was written by our Ads team and doesn't necessarily reflect the views of Money's editorial team. [Learn more](https://money.com/page/disclaimer/) about how we make money.

![Didn’t qualify for debt consolidation? Debt relief could help](https://money.com/img/logo-social.png)

If you’ve been turned down for a debt consolidation loan, you’re not out of options.

Consolidation isn’t the only way to tackle debt. For many people, [debt relief](https://money.com/pr/debdeaa86abc?data-trk-company=achieve-sponsorship&data-trk-imp=true&data-trk-pcu-type=direct_link&data-trk-pcu-uuid=debdeaa86abc&encoded_id=&ap_referrer=https%253A%252F%252Fmoney.com%252Fdidnt-qualify-for-debt-consolidation-debt-relief-could-help%252F) offers a more practical and impactful path forward. If you’re juggling credit card balances, medical bills or personal loans, debt relief could help you reduce what you owe and steer your finances in the right direction.

## Resolve your credit card debt

### Simplify multiple debts, free up cash, and reduce debt stress.

![](https://s3.consumersadvocate.org/prd/image/image/36776/large_7619203e-8022-484d-8e90-3d53e6a4f9f1.webp)

[LEARN MORE](https://money.com/pr/cef89d59691f?ap_referrer=%2Fdidnt-qualify-for-debt-consolidation-debt-relief-could-help%2F)

## **What is debt relief — and how does it work?**

[**Debt relief**](https://money.com/pr/debdeaa86abc?data-trk-company=achieve-sponsorship&data-trk-imp=true&data-trk-pcu-type=direct_link&data-trk-pcu-uuid=debdeaa86abc&encoded_id=&ap_referrer=https%253A%252F%252Fmoney.com%252Fdidnt-qualify-for-debt-consolidation-debt-relief-could-help%252F) (also called debt settlement) involves a company negotiating with your creditors to potentially reduce the total amount you owe. Instead of paying your creditors directly, you make one monthly deposit into a dedicated account — that is used to pay the negotiated settlements to your creditors. This isn’t a loan, so you don’t need a high credit score or a strong debt-to-income ratio to qualify. This makes it a lifeline for many people who are falling behind on payments, but are ready to take action.

## **A path forward**

Getting rejected for a debt consolidation loan can feel discouraging. Maybe your credit score isn’t where you want it to be, or your income doesn’t quite meet the required threshold. [Debt relief](https://money.com/pr/debdeaa86abc?data-trk-company=achieve-sponsorship&data-trk-imp=true&data-trk-pcu-type=direct_link&data-trk-pcu-uuid=debdeaa86abc&encoded_id=&ap_referrer=https%253A%252F%252Fmoney.com%252Fdidnt-qualify-for-debt-consolidation-debt-relief-could-help%252F) could give you a second chance.

## **How Achieve could help**

[Achieve](https://money.com/pr/debdeaa86abc?data-trk-company=achieve-sponsorship&data-trk-imp=true&data-trk-pcu-type=direct_link&data-trk-pcu-uuid=debdeaa86abc&encoded_id=&ap_referrer=https%253A%252F%252Fmoney.com%252Fdidnt-qualify-for-debt-consolidation-debt-relief-could-help%252F) offers a personalized approach to getting rid of debt. If you don’t qualify for a loan or are simply looking for another option, their debt relief program may be the right fit. Their team works directly with creditors on your behalf, so you don’t have to go it alone.

***Sponsored by Achieve Resolution***

**\*Achieve Resolution disclosures:**

Resolution is available through our affiliate Achieve Resolution (NMLS ID # 1248929). All estimates for Achieve Resolution’s services are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all Achieve Resolution clients are able to complete their program for various reasons, including their ability to save sufficient funds. Achieve Resolution does not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. Achieve Resolution does not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Achieve Resolution’s services are not available in all states, including New Jersey, and their fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of Achieve Resolution services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements Achieve Resolution obtained on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825. The program guarantee means that if your total program cost and fees are more than the amount of debt you enroll, you can get a refund of the difference, up to 100% of collected fees. Limitations apply.

Financial solutions are offered by affiliates of Achieve.com or their service providers. Terms and conditions apply. Not all solutions are available in each state.

*The information provided on this page is for educational purposes only and is not intended as financial advice.*

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