Two credit cards
- Debt enrolled
- $12,000
- Your fee after $0 balance
- $4,200
- You do not pay
- $7,800
Debt settlement for U.S. consumers
You pay 35%. Only after your balance reads $0.
We negotiate with your creditors and pay the settlement ourselves. Your only cost is a 35% success fee on the debt we clear, and you owe it once that debt is fully resolved. No upfront fees, ever.
- $0 upfront
- No fee unless we settle
- Written agreement for every client
35%Your only cost.
Due after a $0 balance.
Due after a $0 balance.
$0Upfront or monthly program fees
35%One flat success fee, nothing hidden
After $0Fee is due only when a debt is cleared
In writingYour terms in a signed agreement
Fee calculator
See your number before you sign anything
Move the slider to the amount you owe. The math is the same for every client.
What it costs you
$30,000
Paid to your creditors by usWe handle it
You do not pay$19,500
Your success fee, due after $0 balance$10,500
Estimate based on our flat 35% fee. The fee is charged per debt, only after that debt is settled in full. Results vary and not every debt can be settled.
How it works
Three steps from first call to zero balance
You see every detail before you create an account. Nothing here is hidden behind a login.
Free debt review
Tell us what you owe and to whom. Nova, our AI settlement agent, or a specialist reviews your accounts and tells you plainly which debts we can take on.
We negotiate and pay the settlement
We work directly with your creditors to settle each account. Smart Loan Relief pays the agreed settlement amount to the creditor. You do not fund the settlement.
You pay 35% once it is cleared
When a debt shows a zero balance, you pay our success fee of 35% of that enrolled debt. If we do not settle it, you owe us nothing for it.
Debts we handle
Built for unsecured debt
These are the account types our program is designed to settle.
Credit cards
Major bank and store cards with balances you can no longer keep up with.
Personal loans
Unsecured installment loans from banks and online lenders.
Medical bills
Hospital, clinic, and provider balances, including accounts in collections.
Business debt
Unsecured business credit lines and cards you personally guaranteed.
Payday loans
Short-term, high-interest loans that keep rolling over.
Collection accounts
Old debts now held by a collection agency or debt buyer.
Store and retail cards
Department store and financing-plan accounts.
Private student loans
Some private student loans. Eligibility depends on the lender.
Not a fit for this program: mortgages, auto loans, federal student loans, taxes, and other secured debts.
What the math looks like
Three examples at our flat 35% fee
These are worked examples, not client results. They show exactly how the fee is calculated.
Cards and a personal loan
- Debt enrolled
- $38,000
- Your fee after $0 balance
- $13,300
- You do not pay
- $24,700
Medical bills in collections
- Debt enrolled
- $65,000
- Your fee after $0 balance
- $22,750
- You do not pay
- $42,250
Meet Nova
An AI settlement agent that answers at any hour
Nova reviews your accounts, explains your options in plain English, and sends you a copy of your agreement. A human specialist is available whenever you want one.
- Answers questions about fees, timing, and eligibility right away.
- Gives every client a copy of the signed agreement.
- Keeps you updated as each account moves toward zero.
NovaSample answers
Hi, I'm Nova. Pick a question below and I'll explain how Smart Loan Relief works.
Your agreement
The promise is in the contract
Before any work begins you receive a written client agreement. Read it, keep it, and hold us to it.
- 35% success fee. Calculated on the debt you enroll, stated in dollars for each account.
- Due only at zero. No fee is owed on an account until that account is settled and its balance is $0.
- We pay the creditor. Smart Loan Relief pays the settlement amount. You pay only the success fee.
- Your copy, always. Nova sends the full agreement to every client.
Free review
Apply in about a minute
Four short questions. No credit check and no obligation.
Email us
help@smartloanrelief.com
Office
350 Camino de la Reina, Suite 100, San Diego, California 92108
Essential reading
Guides for getting out of debt
Short, plain-English explainers to help you decide what is right for you.
Debt settlement vs. debt consolidation
Consolidation rolls your balances into one new loan that you still repay in full. Settlement resolves the debt itself, so there is no new loan to carry.
What settlement can do to your credit
Settled accounts and missed payments can lower your score for a time. Knowing this upfront helps you plan the years after you are debt-free.
Medical bills in collections: your options
Providers and collectors often accept less than the billed amount. Ask for an itemized bill before you agree to anything.
A simple budget while your debt is settled
List your fixed costs first, then set a weekly spending cap. Small, steady habits protect you from new balances.
Questions
Straight answers
How much does Smart Loan Relief cost?
One success fee of 35% of the debt you enroll. There are no enrollment fees, monthly fees, or cancellation fees. If you enroll $20,000 and we clear it, your fee is $7,000.
When do I pay the fee?
Only after an enrolled debt has been settled and its balance is zero. We do not collect any fee before that. This is written into your client agreement.
Who pays my creditors?
We do. Smart Loan Relief negotiates the settlement and pays the agreed amount to the creditor. You do not send settlement money to the bank.
Will this affect my credit?
It can. Settled accounts are typically reported as settled for less than the full balance, and any missed payments before settlement may lower your score. Creditors may also continue collection activity until an account is resolved.
Are there tax consequences?
Forgiven debt can be treated as taxable income by the IRS. We do not give tax advice, so please speak with a tax professional about your situation.
What if a debt cannot be settled?
You owe no fee for that debt. We charge only for debts we actually clear.
Is my information safe?
Your details are used only to review your request and to service your account. We do not sell your personal information.
Contact
Talk to Smart Loan Relief
Write to us any time. We reply to every message.
Office
350 Camino de la Reina, Suite 100
San Diego, California 92108
350 Camino de la Reina, Suite 100
San Diego, California 92108
