DebtGuru started in 1998 and is a nonprofit consumer credit counseling organization. Its debt management plan works with its free credit counseling services to help people consolidate their debt and receive debt relief without having to take out a consolidation loan or file for bankruptcy.

DebtGuru’s program is legal, approved by creditors, and has helped thousands of families achieve financial freedom. DebtGuru’s debt management program works with unsecured debt and does not require collateral. However, the company is not accredited with any consolidation organizations, aside from NIFE (National Institute of Financial Education).

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Monthly Price






$0 - $39

The Good

Company Highlights

  • Educational resources
  • Low interest rates
  • Accreditation

DebtGuru’s Process

In order to achieve debt relief, DebtGuru works with a combination of free credit counseling and a debt management program. To start, customers can request a free, honest and accurate evaluation of one’s unique financial situation. The company provides advice, and claims to help assess one’s finances within 15 minutes. DebtGuru works with customers to devise a plan to achieve financial freedom.

Customers can enjoy a free credit counseling session with a non-profit, certified, credit counseling professional. DebtGuru professionals will go through one’s spending habits and dive into their financial situation. The session will let one know if DebtGuru’s debt management program is necessary, or if small changes in one’s financial habits can do the trick. DebtGuru’s debt management plan works with creditors to decrease interest rates, late fees, and over-limit fees. The credit counseling process can actually help save 10 to 15 percent of one’s income.

If DebtGuru’s debt management program fits one’s situation, it can reduce monthly debt payments, create a budget, and make sure payments are made on time. The company claims to help save their customers at least $10,000 in lower interest payments.

Benefits of the Program

Using online forms, customers can apply and get started with the debt management program the same day. Customers can consolidate debt through this program without having to take out a loan.

The debt management program can help reduce or eliminate interest rates, and reduce monthly payments by 25 to 50 percent. It can also help reduce or eliminate late and over-limit fees. With the program, customers can stop collection calls and creditor harassment.

Customers can choose how long they want to stay enrolled in the program, and can terminate the plan at any time. People get out of debt in one-third with this program, and 95 percent of clients significantly reduce their interest rates.

Relationship With Creditors

The company claims to have a great relationship with thousands of creditors. DebtGuru actually aims to work with creditors and not against them. Their positive relationship with creditors is what allows customers the ability to deduct interest rates, monthly payments, fees, and stop collection calls.

Debt Articles

While it is not necessarily required to offer debt articles and educational resources, it is a helpful addition to companies. Customers who want to learn more about consolidation and debt relief can explore DebtGuru’s blog, and debt articles. DebtGuru provides free education.

The Bad

Company Drawbacks

  • Lacks transparency
  • Few consolidation tools

Website Lacks Key Information

The website lacks key information on fees, costs and interest rates. DebtGuru does a good job of explaining the monthly fee—however, past that, the website really does not elaborate on potential fees included in the program. There is no information on if the company charges a cancellation fee, or any additional fees.

It is also unclear whether or not DebtGuru includes a money-back guarantee with its services, and if the debt management plan works in all states.

No Consolidation Calculator or Examples

Though the website does provide debt articles and a financial blog, the company does not seem to offer a consolidation calculator of any kind. Additionally, the website does not provide any past consolidation examples—only past client testimonials.

View Top Rated Companies

The Bottom Line

DebtGuru offers free credit counseling services and a debt management program that work together to help customers achieve debt relief. DebtGuru’s debt management plan does help customers consolidate debt.

When looking into debt relief programs, DebtGuru has a good track record of helping people achieve financial freedom.

Want to see the top rated Debt Consolidation Companies? Click Here

Frequently Asked Questions

Consolidation or Personal Loan?

DebtGuru’s debt management program works to free clients from debt without taking out a loan, or filing for bankruptcy. The company’s debt management plan does consolidate debt. Consolidation loans are not available.

What Is The Monthly Fee?


Are There Any Upfront Fees?

DebtGuru does not provide any information on upfront fees.

What Is The Cancellation Policy?

Customers can terminate their program at any time for any reason. The website does not explain if there is a cancellation fee, or a money-back guarantee.

Can I Get a Free Consultation?

DebtGuru offers customers a free financial analysis with a certified counselor. In 15 minutes, one’s certified counselor can help assess their finances, provide advice, and help create a plan for debt relief. In the analysis, counselors will answer any questions.

More Information

About DebtGuru

As far as debt services go, DebtGuru only offers credit counseling and a debt management plan. Debt is consolidated through its debt management plan. Customers who decide to go with DebtGuru’s plan can expect the company to call their creditors and negotiate reduced monthly fees, interest rates, late fees, and stop collection calls. The website does not provide any real debt consolidation or debt settlement examples.

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10 DebtGuru Reviews

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  1. User Score


    April 18th, 2017 Saint Paul, MN

    ACF has been very helpful in helping me manage and pay down my debt so much faster than I could have done alone! I admit, coming onto the program felt challenging: there were a couple of bumps on the front end, and I’m Type A x 1000, so giving others control of my financial situation was very nerve wracking! The team at ACF handled my constant inquiries like professionals and reassured me when things felt tricky. I’ve tracked things on my end every month and with this program, I have seen my debt decrease exponentially faster than I was able to do on my own. It took years for me to create my financial problems and it will take a few more to see that zero balance. But now, I at least see an end in sight whereas before, I couldn’t imagine being debt free.

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    April 13th, 2017

    I really want to thank Debt Guru for helping me . I could not had do this without your help.

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    April 10th, 2017 Salt Lake City, UT

    Debt Guru! I love you! The best part of their customer service is the prompt replies and professional correspondence. I can tell they are trying to do whatever will help me the most come so I can be financially free. I can’t recommend them enough and I tell all of my real and facebook friends about them!

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    April 10th, 2017 Seattle, WA

    My experience has been nothing but positive with Debt Guru. Adam, my counselor, was great. I was able to work with Adam to get my debt under control and eventually paid off. I am very pleased. Thanks!!

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    April 7th, 2017 Mount Olive, AL

    We can’t express enough gratitude and appreciation we have for this company! We can’t believe how much our lives have changed because of their help! They are consistent, cooperative, friendly and professional! Thank you DebtGuru!

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    April 6th, 2017 Louisville, CO

    Things got handled very quickly and professional

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    April 4th, 2017 San Jose, CA

    Credit card debt overwhelmed us. Husband lost job, and was in school. I heard the radio add and responded to it. With in a few short months our credit rating started going up, credit card debt amounts where finally going down. We can now see the end of our Credit Card Debt. It has been a blessing to work with ACF. Their service and attention to us and our needs has been amazing! I would and have recommended ACF to those that need financial help. Thank you!!

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    March 31st, 2017 Provo, UT

    Everyone there has been great to work with. They’ve been really response to any questions I’ve had along the way. This service has been a life saver, helping me out when I didn’t know where to begin. I would highley recommend their service to any one who is struggling with getting their debt under control and does not wish to file bankruptcy.

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    March 31st, 2017

    The people that handle my account are always so helpful and always answer all my questions. They make sure I’m aware of any options available and handle everything with a professional attitude! I recommended all my friends to use this service! It was a lifesaver!

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  10. User Score


    March 31st, 2017

    These guys are GREAT! I was lost until they gave me hope! I could not have done it without their help!

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