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Navicore Solutions

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LAST UPDATED: September 5th, 2023

Navicore Solutions started in 1991 and is headquartered in Manalapan, New Jersey. Joel Greenberg is the current President and CEO, and the company is one of the largest non-profit financial education providers in the United States. Navicore Solutions specializes in financial counseling and offers a variety of services, including budget, credit, housing, student loan, debt consolidation loan, and bankruptcy counseling. 

This financial provider helps more than 100,000 people every year and serves all 50 states. Counselors are NFCC (National Foundation for Credit Counseling) certified, and customer service help is available seven days a week.  However, the website does lack in explaining its consolidation services in detail and does not provide any specific information on fees, or interest rates.

Navicore Solutions lacks key information about fees or the cost of its program. Take a look at the top debt relief companies to find one that suits your needs at a fair price.

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The Good

  • Easy Process
  • Consolidation Services
  • Collection Call Stops
  • Accreditations

Easy Process

The process starts with a financial analysis between the counselor and consumer. The session is fully confidential, and counselors are NFCC certified.

If the counselor thinks Navicore Solutions' debt management plan best fits one's financial circumstances, they will provide the consumer with a link sent to his or her email.

The information sent only takes minutes to access and complete. When finished, Navicore Solutions will contact your creditors to establish a plan. To learn more about consolidation services and the process, one can explore the ample financial resources, tools, and educational library Navicore Solutions' website offers.

Consolidation Services

While Navicore Solutions does not offer a specific consolidation program or loan, its consolidation services work through the company's debt management plan.

This plan makes it so consumers only pay one fixed monthly payment for their unsecured debt load.

The payment is made to Navicore Solutions, and the company then sends the appropriate funds to one's creditors. The company aims to lower one's monthly payments and interest rates.

Navicore Solutions also tries to waive any fees that arise, and consolidate the debt in a simple and clear manner. On average, the debt management plan is designed to resolve all debt in around three to five years.

However, customers can pay off the debt faster if they choose. If one does choose Navicore Solutions for their debt needs, they can expect the following benefits:

  • Lower monthly payments
  • Lower or waived interest rates
  • Stopped collection calls
  • Waived late fees
  • An affordable repayment plan

Collection Call Stops

Navicore Solutions' website explains that with the company's debt management plan and consolidation services, collection calls are usually stopped after three consecutive payments are made.

If a customer does happen to get a creditor call, they can notify the creditor that they are working with Navicore Solutions; Customers should let Navicore Solutions know right away so the organization can make sure it doesn't happen again.


Navicore sports the following accreditations from industry-recognized organizations:

  • National Foundation for Credit Counseling
  • Council on Accreditation
  • U.S. Department of Housing & Urban Development
  • Executive Office of the U.S. Trustees

The Bad

  • No Specific Consolidation Program or Loan
  • Lacking Fee Information

No Specific Consolidation Program or Loan

Navicore Solutions is not exactly a debt consolidation company. Unlike many consolidation companies in the industry, Navicore Solutions does not fully focus on a consolidation program or loan. Instead, the company offers consolidation services as a part of its debt management plan. The company doesn't offer debt settlement as part of its services.

The debt management plan provides an affordable way to consolidate debt; however, there is no individual consolidation program or loan advertised.

The point of a debt management plan is to be able to lower your debt without harming your credit score. Whether you have credit card debt, medical debt, or some other type of unsecured debt, debt management companies are designed to help you become debt free and nurture a healthy credit report.

Lacking Fee Information

The company does not provide any concrete or specific fee information. Navicore Solutions does not specify if they charge any kind of upfront or late fees.

However, Navicore Solutions' website does hint that the debt management program may include monthly services fees and a one-time enrollment fee. The website does not elaborate any further.

Information on fees, costs, and interest rates are incredibly important to know upfront when exploring different debt consolidation options. 


The Bottom Line

Compared to other top companies like Freedom Debt Relief, National Debt Relief, and InCharge Debt Solutions, Navicore Solutions is not transparent enough with pricing information.

Navicore Solutions does not offer a specific consolidation program or loan; however, the company is ideal for those wanting a debt management plan that consolidates debt, lowers monthly payments, and stops collection calls. With Navicore Solutions, customers can enjoy NFCC certified counselors.

Additionally, the company claims its process is easy, and customer service is available seven days a week. The company's website does lack transparency when it comes to fees, costs, and interest rates. It is also unclear if their services include any kind of money-back guarantee. Navicore Solutions serves all 50 states and is worth exploring for consolidating unsecured debt.

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9 Reviews

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Mark Mueller

I found Navicore via a Google search and have been with them for a few years now. At the time, I was heavily in personal debt, around $40,000, and absolutely struggling to make payments while my credit score was tanking and collections were piling up. Navicore did a terrific job in negotiating with my creditors to lower their interest rates and save me money. It was difficult to carve out the monthly payments, but that discipline was critical to turning around my financial situation. At this point, I'm about 2/3 through the payment plan and see light at the end of the tunnel. Knowing that in about a year and a half these debts will be paid off and that monthly payment will disappear is incredibly motivating -- it feels great and I'm looking forward to that last payment. The only negative I can think of regarding Navicore is their website -- it's not great, but good enough. Hopefully they will improve the interface some day. But this is a small thing.

7 years ago

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Barbara S. Middletown, NJ

Navicore solutions helped me to repay my debt so much more affordably! My mom had used them several years ago and we both had a very positive experience. They are very professional, kind, caring and provided me with great service and information. Using Navicore has helped me turn my life around and I couldn't be happier.

4 years ago

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D. Greer Inglewood, CA

I wrote a review of Navicore Solutions last year and wanted to update my experience with them. Once we worked out all the initial problems things went pretty smoothly. No surprise as all they were required to do was mail out monthly payments. I called once to find out the balances remaining and they gave them to me. When one creditor was paid off they would increase the payments to the other creditors. So far so good. Last week I received voicemails from the remaining 2 creditors telling me I no longer owed them any money, the accounts had been paid in full, but they were still receiving checks! I called Navicore and asked why they were still sending out checks (and billing me), and they told me they didn't know when the accounts had been paid off and it was my job to inform them!? Seriously?! One of my creditors sent me the check they received from Navicore, only it's made out to them so there's nothing I can do with it. Currently I'm trying to contact Navicore so I can send them the check and (hopefully) get my money refunded. After being on hold today for 20 minutes I finally gave up and left a message.

5 years ago

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D greer Inglewood, CA

So far, terrible. If you need to talk with an actual person expect to be on hold for over an hour while a message tells you how important your call is to them, that after navigating their repetitive voicemail. Was repeatedly called by creditors asking where their payments were. Navicore never called any of my creditors (which they said they were going to do) regarding the payment amounts, now I'm getting angry calls from creditors. I've had to call 3 times trying to find out what was going on. I'm only with this company as they took over the account from another local company. IF I'D KNOWN this was going to happen I never would have signed up.

6 years ago

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Jennifer Scro Kingston, NJ

Navicore Solutions DID help me manage my credit card debt- which I am grateful for- however....many things have changed since they changed hands the last few times. Basically, everything has gone downhill for this company. Billing: Does anyone freaking keep track of payments over there?? They charged me on two accounts which were paid off. No one at Navicore caught this mistake so I had to call and tell them to fix the problem. Really annoying, especially considering I am paying these people a "maintenance fee"- well, who the hell is doing the maintenance?? Delivery: Every month I would get notification from my creditors saying they did not get paid on time. How the heck does this happen with a debt management company? Customer Service: Like another client on here mentioned, the wait on the phone to talk to a person is absolutely ridiculous. You will be waiting on the phone for over 30 minutes. When trying to send an email through their website, it fails to send. I ended up having to use my own email account to send something. Who the hell knows if I'll get a response. I DO NOT recommend this company. There are more efficient and reliable debt management programs out there now. Delivery

7 years ago

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The only thing that is a little hard is the documentation that you have to submit otherwise Navicore do exactly what needs too be done.👍

10 months ago

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Mary Alpharetta, GA

I was referred to this company by a debtor, spoke to someone about enrolling, received paperwork stating that half of the creditors would not work with the program so I decided this was not beneficial to me and told them that I would not be using their services. They still charged me a $50 enrollment fee even though they did nothing and would not reimburse it.

5 years ago

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Maria Salinas

I ended up with Navicore Solutions not by choice. Navicore Solutions bought my account from another credit counseling service I was using. Immediately, I was disappointed. Along with a welcome packet, I was sent a list of fees that I would have to pay them for their services, including a monthly fee of $37.00. I mean, that's a credit card payment. I canceled my agreement with them ASAP and signed on with another agency.

7 years ago

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Vinessa Archer Killeen, TX

Navicore has done a great job helping me get a handle on my credit card debt. They have been very responsive and knowledgeable.

6 years ago