Best Debt Consolidation Loans for Seniors of 2021

We’ve researched and reviewed the best debt consolidation loans on the market.

Debt Consolidation Loans
1 min read
Updated: November 26, 2019

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#1 Grandfolk
Why We Love Them
  • Available in 41 states
  • 100% money-back guarantee
  • Highly rated customer service
8.1
Grand Score
7.7
User Score
Why We Love Them
  • Available in 33 states
  • Excellent customer service
  • No fees until debts are settled
7.8
Grand Score
8.6
User Score
Why We Love Them
  • Low minimum debt requirements
  • Increased financial independence
  • Offered in Washington, D.C
7.8
Grand Score
8.5
User Score
Why We Love Them
  • Debt counseling in Spanish
  • Available in 43 states
  • Low service fees (14-20% of debt)
7.7
Grand Score
7.5
User Score
Why We Love Them
  • Longer-term (five-year) debt relief option
  • Has resolved over $8 billion in debt
  • Average savings of 20-35% after fees
     
7.5
Grand Score
8.7
User Score
Top Services
Cost
18-25% of enrolled debt
$100-$200
The service fee is 15-25%
Monthly fee 14%-20%
18-25%
Warranty
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Ease
8
7
8
9
8
Cancellation
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Customer support
Phone and email
Phone or email
Phone and email
Phone, web form, or email
Phone
Services offered
Debt settlement consolidation
Debt consolidation, debt management and debt settlement
Debt settlement
Debt settlement and counseling for other services
Debt consolidation, credit counseling, cash-out refinance
Settlement period
Contact the company for details
24-48 months
24 - 48 months
36-48 months
24-60 months
Minimum debt
$7,500
$7,500
$7,500
At least $750 of debt
$7,500
Sharon O'Day - Senior Advisor

Sharon O’Day fixes financial lives. She is a tell-it-like-it-is money expert with a successful career in global finance, plus an MBA from the Wharton School. Today she specializes in getting entrepreneurial women over 50 back on their game so they can have more money, less stress and more joy. With her “Over Fifty and Financially Free” strategies, they take actions that lead to their ultimate goal: financial peace of mind.