Take Control of Your Debt

  • Consolidate your debt into one monthly payment
  • Reduce your monthly payments up to 50%
  • Reduce interest rates up to 75%

Learn more about Debt Consolidation

Take Control of Your Debt

  • Consolidate your debt into one monthly payment
  • Reduce your monthly payments up to 50%
  • Reduce interest rates up to 75%

Learn more about Debt Consolidation

Reduce Monthly Payments by up to 50%

  • Pay Your Debt Off Sooner
  • Stop Late and Over Limit Fees
  • Reduce Interest Rates

Learn more about Credit Counseling

Reduce Monthly Payments by up to 50%

  • Pay Your Debt Off Sooner
  • Stop Late and Over Limit Fees
  • Reduce Interest Rates

Learn more about Credit Counseling

Get Control of your Student Loans

Our free student loan counseling session will give you the tools necessary to have a comprehensive understanding of the student loan debt relief options available to you. Read More

Get Control of your Student Loans

Our free student loan counseling session will give you the tools necessary to have a comprehensive understanding of the student loan debt relief options available to you. Read More

"They have truly been a lifesaver"

"We tried to get our creditors to work with us but they wouldn’t. Now we are almost out of debt with the help of Debt Reduction Services. " Read More Success Stories

"They have truly been a lifesaver"

"We tried to get our creditors to work with us but they wouldn’t. Now we are almost out of debt with the help of Debt Reduction Services. " Read More Success Stories

Reduce your debt

Debt Relief That Works!

  • Get a free financial assessment
  • Learn about your options
  • Find a plan that fits your budget
  • Reduce interest rates and stop late & over limit fees

Step 1 of 5

20%

Since 1996 Debt Reduction Services has been helping people regain control of their finances.  Our mission is to help each individual we counsel make strides towards financial independence and freedom from debt.

Why Choose Debt Reduction Services?


If you owe $20,000, you could pay...

Your Creditors

$60,000

$60,000

Over 30 years w/ Penalty fees & high interest

OR

you could pay

Debt Reduction Services

$23,000

$23,000

Over 5 years on manageable terms


Debt Reduction Services is a nonprofit debt management and credit counseling organization that has helped thousands of consumers learn to live debt free. Our goal at Debt Reduction Services is to significantly improve the financial well-being of our clients.

Debt Reduction Services Can Help You...

  • Negotiate with creditors to reduce or eliminate interest charges and stop late and overlimit fees
  • Consolidate credit bills into one easy monthly payment
  • Pay off your debt faster
  • Lower your interest rates regardless of credit score
  • Stop collection calls
  • Build a realistic budget and financial plan you can follow


Engaging Children in Financial Topics

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Teaching Tools: Using a Game to Warn Kids about Debt During the week of Monday, August 7 through Friday, August 11, I volunteered through the Idaho Financial Literacy Coalition (Idaho’s chapter of the National Jump$tart Coalition for Personal Financial Literacy) to facilitate a financial game at the Idaho Food Bank’s daily Picnic in the Park. The Food Bank provides free brown bag lunches to any child who wants one at more than a dozen city ...

Are Student Loans Worth the Cost?

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Student Loans Are Costly: Is College Worth Going into Debt? As more and more jobs require bachelor’s degrees and beyond, college has become a necessity of survival that today’s students must find a way to afford. Many would agree there is little substitute for a thorough education, but should it be concluded that college is always worth the cost? It certainly seems so according to the $31 billion increase over the last year in student loans ...

Encouraging a Happy Home When Finances Are Tight

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How to Live a Simple and Happy Life One of the longest and most difficult challenges in life has to be living with a budget. Whether you are paying off credit card debt or student loans, building a down payment for a house, managing a limited income, or saving for retirement, staying on top of your finances can become obsessive and equally stressful. While families and marriages can buckle under this kind of pressure, with determination and ...