American households now carry US$13.2 trillion of debt. That figure includes US$829 billion of credit card debt and US$9 trillion of mortgage debt.
There’s also the outstanding student loan debt of US$1.2 trillion.
All of the above means an obvious demand for companies offering debt settlement and consolidation services.
The good news is that many of these companies pay substantial referral commissions.
Let’s look at some debt settlement affiliate programs worth promoting.
Debt Settlement Affiliate Programs
- National Debt Relief Affiliate Program
- Guardian Debt Relief Affiliate Program
- CuraDebt Affiliate Program
- Experian Affiliate Program
- Upstart Affiliate Program
- American Debt Enders Affiliate Program
- Lending Tree Affiliate Program
- SOFI (Social Finance) Affiliate Program
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1 National Debt Relief
The average American owes at least $5,700 in credit card debt, but many people owe much more. It’s not difficult to find stories of “average” people with US$50,000 in credit card debt, usually spread across multiple lenders.
Most people reach for bankruptcy when their credit card debt becomes critical, but debt consolidation can be a better option for a number of reasons.
National Debt Relief provides debt settlement services for credit card debt, personal loans, medical bills, business debts, and some types of student debt.
You can also earn a commission for referring potential customers to them, $27.50 per lead, to be exact.
The commission paid for each lead is already attractive, but equally attractive is that their affiliate program is a top performer on the ShareASale network — the third-most-popular affiliate network, according to our affiliate marketing statistics.
For an affiliate, that means National Debt Relief is very good at converting qualified traffic into sales.
- URL: National Debt Relief affiliate program
- Commission rate: $27.50 per lead
- EPC: $115.97
- Cookie duration: 60 days
2 Guardian Debt Relief
Guardian Debt Relief is a debt settlement and debt negotiation service provider. Basically, they approach creditors on your behalf and haggle with them until you pay only a fraction of your original debt.
Their service has no upfront fees; all your debts are wrapped into one monthly payment.
Although Guardian Debt Relief focuses on credit card debt, It also works with clients with at least US$7,500 of medical, utility, and private student loan debt.
As an affiliate, you get paid $32 for every qualified lead they receive through their online form but $45 for every lead that results in a phone consultation.
And if one of your referrals signs up with Guardian Debt Relief, that’s worth $325. You’d only need a few people to sign up with them to earn “job replacement” income.
- URL: Experian affiliate program
- Commission rate: Up to $325 per sale
- EPC: $270.55
- Cookie duration: 45 days
3 CuraDebt
This debt negotiation and settlement has been in business since 2000.
CuraDebt offers help with debts ranging from credit cards and personal loans to IRS back taxes. However, they do not assist with student, mortgage, or auto loan debt.
Their website looks like it hasn’t been updated since the turn of the Millennium, but they also have thousands of positive reviews. Social proof is important when suggesting that your visitors take financial advice from a relative stranger.
Affiliates earn anywhere from $25 for a lead all the way up to $500 for somebody who enrolls with CuraDebt. Just be aware that those $500 commissions are based on referring a high volume of customers.
They also offer a “Never Expires” cookie, so you don’t need to stress about converting leads as quickly as possible. CuraDebt could make you a lot of money if you send them enough qualified traffic.
How many $500 commissions would you need to earn each month to have the lifestyle of your dreams?
- URL: CuraDebt affiliate program
- Commission rate: $25 per debt lead or up to $500 for a confirmed enrolment
- EPC: $198.67
- Cookie duration: Never expires
4 Experian
Although Experian isn’t a debt settlement or relief provider, it is a program you can refer people with financial troubles to.
Most people have no idea how to manage their finances. This includes keeping track of any bad debts that could impact their credit/FICO score via a company like Experian. So, offering multiple complementary offers to people who want to manage their finances will not harm them.
You could use an Experian referral for debt settlement or negotiation products later as an up-sell.
In the Experian affiliate program, this means being paid $4 per lead or up to $100 per sale. Their 3-month EPC is US$221.97, which is better than than other programs.
Selling your visitors on an Experian credit report shouldn’t be too much work because they’re a household name at this stage. The 10-day cookie means you’re better off sending pre-qualified traffic to their affiliate offers.
- URL: Experian affiliate program
- Commission rate: Up to $100 per sale
- EPC: $221.97
- Cookie duration: 10 days
5 Upstart
Upstart is the brainchild of ex-Google employees who decided there had to be a better way to evaluate loan applications than using FICO scores. They use machine learning and AI to evaluate loan risk and have suffered fewer losses.
You can use Upstart to pay off credit cards and student loans or to consolidate debt with loans ranging from $1,000 to $50,000. The AI behind Upstart means loans can be approved within a few minutes of application, with funds deposited the next day.
They pay affiliates $80 for every successfully funded loan (not just applications), and if you refer 25 or more funded loans each month, your payout increases to $120 per customer.
Upstart payouts aren’t as big as other affiliate programs, but you can always negotiate a better rate if your site can send them enough traffic.
- URL: Upstart affiliate program
- Commission rate: Up to $120 per sale
- EPC: 0.25 (in-house calculation)
- Cookie duration: 45 days
Note: You can join Upstart through either FlexOffers or Commission Junction.
6 American Debt Enders
American Debt Enders has been in business since 2006. It was founded by a husband-and-wife team who spent years struggling with their own debt.
ADE currently offers both debt management and debt settlement programs. Their debt management service is available to anyone with at least US$5,000 of credit card debt, while their debt settlement program is open to anyone with the same level of outstanding debt.
The only exceptions to the above are payday loans, student loans, and IRS debt. American Debt Enders also offers a credit restoration service to help get your FICO score back in good standing.
The boilerplate text for their affiliate program says $20 per qualified lead, but they do offer other products that pay higher commissions:
Their $99.34 EPC clearly indicates that their affiliates are making bank, so they’re worth actively promoting if you have the right audience. They also offer a permanent cookie for each visitor you send them.
- URL: American Debt Enders affiliate program
- Commission rate: $25 per lead
- EPC: $99.84
- Cookie duration: Never expires
7 Lending Tree
Lending Tree offers a variety of financial products, from personal and dental loans to student and auto loans. It also offers a debt consolidation service for families who have become overwhelmed by debt.
This form of debt management allows you to save money, be less stressed, and even rebuild your FICO score as you pay off your debts.
One of the big perks for affiliates is that Lending Tree is a recognized brand, so you won’t have to do a lot of pre-selling to get people to check out their offers. They are a broker and not a dedicated lender, but their customers don’t seem to mind.
In terms of how much money you can earn by sending qualified traffic to their site, that’s between $1 and $70 per lead.
But they have excellent 7-day and 30-day EPCs, so you can send traffic safely, knowing they’re doing everything possible to convert it. That’s also why their ‘Network Earnings’ rating on Commission Junction is 5/5—only a handful of merchants consistently achieve that.
- URL: Lending Tree affiliate program
- Commission rate: Up to $70 per lead
- EPC: $336.67
- Cookie duration: 14 days
8 SOFI (Social Finance)
Social Finance is exactly what it sounds like—somewhere between a credit union and an online bank. It currently has roughly 500,000 members, but its lending criteria ensure that loans are repaid on time.
Being purely digital also means they can offer lower/better rates for various products such as credit card consolidation, student loan refinancing, mortgage refinancing, etc.
They cover loans from $5,000 to $100,000 and with repayment terms of between 3 and 20 years.
Affiliates are paid $100 – $150 for every valid and funded loan, depending on the type of loan. This translates to an EPC of $82.84, although their volume of sales isn’t as high as Lending Tree’s, for example.
However, they have paid over $2 million in commissions to their affiliates so far.
- URL: SoFi affiliate program
- Commission rate: $100 – $150 per lead
- EPC: $82.84
- Cookie duration: 30 days
Conclusion
This concludes our roundup of the top 8 debt settlement programs available online right now.
Why didn’t we feature more affiliate programs like the other blog posts? That’s because those other posts are all pretty much carbon copies.
Many of them are so outdated that the companies they’re “recommending” have gone out of business.
So we only featured programs we’d consider using ourselves and not just a ham-fisted rounded-up of the first ten sites we found in Google.
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