Debt settlement helps individuals lower their debt by reaching agreements with creditors to pay a reduced amount. This can help avoid more serious financial issues, such as bankruptcy and wage garnishment.
As the demand for debt relief services grows, the debt settlement industry is expected to increase from USD 2.94 billion in 2025 to USD 5.56 billion by 2034, according to Market Research Future.
Financial bloggers, influencers, and content creators can start earning commissions by promoting debt relief solutions to their audience.
We’ve compiled the 7 best debt relief affiliate programs with detailed commissions, benefits, and program features. Let’s find out which one is the best fit for you!
TL;DR
You can earn extra money by promoting top-rated debt settlement services. Let’s go through our top picks and see which one offers the best advantages.
- National Debt Relief (Commission: $27.5)
- Debt.com (Commission: Up to $1,000, Cookie: 30 days)
- CuraDebt (Commission: Up to $227)
- Oak View Law Group (Commission: 20-25%)
- Guardian Debt Relief (Commission: Up to $325)
- Debt Consolidation Care (Commission: 20-25%)
- New Era Debt Solutions (Commission: Revealed once registered)
It can be overwhelming to run programs, manage affiliates, monitor performance, or process payments. However, affiliate software like UpPromote can help handle all these tasks effortlessly. Our app makes it simple for even beginners to grow a successful affiliate marketing program.
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7 High-Commission Debt Settlement Affiliate Programs You Should Join
For those with limited time, explore the best debt settlement affiliate programs we’ve curated.
| The best affiliate programs | Program name |
| Affiliate program with the highest commission rates | Debt.com (Up to $1,000) |
| Affiliate program with the longest cookie duration | Debt.com (30 days) |
| Affiliate program with the most payment methods | National Debt Relief, CuraDebt, Oak View Law Group, Guardian Debt Relief |
| Affiliate program with the most promotional materials | Oak View Law Group (Banners, text links, sign-up form) |
1. National Debt Relief
National Debt Relief is among the largest debt relief services in the United States. They assist individuals in lowering their unsecured debt, such as credit card balances, personal loans, and medical bills.
When joining the National Debt Relief affiliate program, you will receive a $27.5 commission on each qualified lead you drive. You can also boost your earnings by referring new affiliates and earning 12% commission from the sales they generate.
The brand teams up with Shareasale to run their debt settlement affiliate program. You can join the network to access the brand’s professionally designed banners and exclusive text links for your promotion.
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2. Debt.com
Debt.com connects users with certified financial professionals to help them manage and settle their debts. The company provides various services, including debt settlement, debt management plans, credit counseling, and consolidation loans.
You can earn up to $1,000 for every successful enrollment made through your site with their debt settlement affiliate program. The cookie will stay valid for 30 days following the customer’s first click on your link.
Affiliates must focus on U.S. or Puerto Rico-based audiences to be eligible for the Debt.com program. You can share the brand’s pre-made links and other materials on your site to promote their debt management and debt settlement services.
The brand will process your commission payments directly through bank transfer on a monthly basis. You’ll receive a personal dashboard to monitor your performance, along with detailed reports to see how well your promotions are doing on different platforms.
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3. CuraDebt
CuraDebt is one of the longest-standing companies in the debt relief and tax resolution industry. They help individuals and small businesses manage and reduce unsecured debts through debt settlement, tax debt relief, and debt consolidation services.
You can earn commissions for each qualified lead and conversion you refer. You will receive different commissions depending on the specific debt relief service you promote.
- Debt relief: $38/lead + $100/conversion
- Tax relief: $45/lead + $140/conversion
- Business debt relief: $52/lead + $175/conversion
Besides, you can introduce affiliates to the CuraDebt settlement affiliate program and earn a 10% commission on their monthly referral earnings.
The CuraDebt affiliate program offers captivating banners and attractive creatives to support your promotions. Additionally, you can access expert training and guidance to help you connect with the right audience and enhance your marketing efforts.
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4. Oak View Law Group
Oak View Law Group offers expert legal assistance in debt management, including debt settlement, bankruptcy, and other financial solutions. They offer personalized strategies and legal representation to help consumers manage and resolve their debt problems.
When joining their debt settlement affiliate program, you can earn a generous 20-25% commission on each successful registration you drive. Besides, you can earn an extra 12.5% from the commissions generated by affiliates you refer.
Once your balance reaches a minimum of $100, you can choose to receive commission payments via check, e-check, or direct deposit. The brand offers appealing banners, text links, and sign-up forms to attract your audience and boost conversions effortlessly.
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5. Guardian Debt Relief
Guardian Debt Relief provides consumers with debt relief services, including debt settlement and debt negotiation. They work with Guardian Litigation Group to provide free legal support to defend clients against lawsuits from creditors.
Their debt settlement affiliate program gives you the opportunity to earn varying commissions depending on the type of lead you generate:
- Pay-per-lead: $32/lead
- Pay-per-call: $45/lead
- Pay-per-deal: $325/deal
Additionally, referring affiliates to the program gives you the chance to earn extra income. You’ll receive a 15% commission for each qualified lead they bring in.
Their affiliate program is managed via ShareASale. Affiliates can sign in to their account and get a unique tracking link to start promoting the brand’s services. Furthermore, the platform offers a smart dashboard to help you stay updated on your performance metrics, such as clicks, sales, and commissions.
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6. Debt Consolidation Care
Debt Consolidation Care provides various debt relief services, including credit counseling, debt settlement, and consolidation programs. Plus, their educational materials help consumers understand their financial situations, the effects of debt, and the different strategies available for debt relief.
Debt settlement affiliates can earn a high 20-25% commission on every qualified lead generated from their unique link. Once you reach $100 in earnings, you can choose to receive your payment by check or wire transfer.
Not only will you earn commissions from your leads, but the brand will also reward you with bonuses. You can earn large bonuses by referring more leads to Debt Consolidation Care.
- 100 – 149 leads: $200
- 150 – 249 leads: $300
- 250 – 399 leads: $500
- 400 – 699 leads: $800
- 700 – 999 leads: $1200
- Above 1000 leads: $1500
What’s more, you will have the opportunity to refer new partners to this debt settlement affiliate program. For every partner you bring in, you’ll earn 12.5% of the earnings they generate.
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7. New Era Debt Solutions
New Era Debt Solutions helps people reduce their unsecured debt, like credit card balances, personal loans, and department store cards. They charge a fee between 14% and 23% of the initial debt, and payment is only made once the company has successfully negotiated a reduction.
You can simply register for their debt settlement affiliate program and patiently wait for approval. After becoming their affiliate, you can start promoting by placing your unique affiliate link on your website, blog, or in articles and emails.
However, qualified leads must be based in the United States, excluding Iowa, Maine, and South Dakota. Additionally, they must have at least $10,000 in unsecured credit card debt.
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Conclusion
To wrap up, the 7 best debt settlement affiliate programs offer fantastic opportunities for marketers to earn commissions. By crafting informative, valuable content, you can build credibility with your audience and boost more conversions. Make sure to review the terms, commission rates, and cookie durations before joining any program to ensure you’re choosing the right fit for your goals.
Ellie Tran, a seasoned SEO content writer with three years of experience in the eCommerce world. Being a part of the UpPromote team, Ellie wants to assist Shopify merchants in achieving success through useful content & actionable insights. Ellie's commitment to learning never stops; she's always eager to gain more knowledge about SEO and content marketing to create valuable content for users. When she's not working on content, Ellie enjoys baking and exploring new places.
