Veteran Programs · Benefits & Discounts DirectoryPrivate information service — not a government agency
Debt & Financial Support
Debt Relief Assistance Program
This is a debt resolution program, not a loan. Licensed providers work on what you already owe on credit cards, medical bills, and personal loans — and it costs you $0 up front to find out which options you qualify for.
Eligibility Check3 questions · no cost
Did you receive your DD-214?
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Are you receiving any disability, SSI, SSDI?
You Will Need Your DD-214
Your DD-214 is the discharge document that proves your service, and you will be asked for it to obtain any Veteran benefit. If you cannot find yours, you can request a free copy from the National Archives.
Request My DD-214 from the National Archives →← Go back and restartCongratulations!You're Eligible For Free Debt Relief Assistance.Enter your information below to send your free application and see if you get selected for free service!No obligation.
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Providers charge fees on what they actually settle, and some options can affect your credit while the plan runs. You see all of that in writing before you agree to anything.
Who may qualify
Veterans, spouses, surviving spouses
Must own the home
No — renters qualify too
Document needed
DD-214 (or a requested copy)
No cost to review your options
01
Overview
This record covers unsecured debt: credit cards, medical bills, and most personal loans. Licensed providers review what you owe and lay out the options, which usually come down to consolidating everything under one payment or working toward settling the balances for less than the full amount. You do not need to own a home to use it.
A person sorting through bills and receipts with a calculator
02
What This Program Covers
Licensed providers review what you owe and lay out the choices:
- Credit card balances, medical bills, and most personal loans
- One monthly plan instead of many separate payments
- Programs that work toward settling balances for less than the full amount
- Consolidation options that put everything under one payment
- A clear timeline, so you know roughly how long the plan runs
- The calls from collectors handled by the provider, not by you
03
Eligibility Requirements
Most Veterans who qualify can check off this list:
- You served with an Honorable or General Discharge
- You have unsecured debt such as credit cards, medical bills, or personal loans
- You are behind, or you are current but the balances are not going down
- You have some monthly income to put toward a plan
- Spouses and surviving spouses can review options too
Nothing about carrying debt says anything about your character. Plenty of Veterans got there from one deployment, one layoff, or one hospital stay.
04
Official VA Programs
The VA only manages debts owed TO the VA — overpayments and copay balances. For everything else the official help is thin, which makes these three entries matter:
VA debt managementIf part of what you owe is a VA overpayment or a VA copay balance, the VA has its own relief options — waivers, compromise offers, and payment plans. Settle that lane with the VA directly before any private program touches it.Your County Veterans Service OfficerFree help checking whether benefits you never claimed — a disability rating increase, a property tax exemption — could free up money every month. That is debt relief nobody charges for.Nonprofit credit counselingNonprofit counselors review your budget at no charge. They are a fair second opinion to put next to any settlement plan before you sign it.
Questions
Questions Veterans Ask First
Will this hurt my credit?Some options can affect your credit while the plan runs. A licensed provider explains the trade-offs for your exact situation before you decide.Are results promised?No. Results depend on your balances, your creditors, and whether you stay with the plan. Anyone who promises you a number is not being straight with you.Is this a loan?Not always. Some options consolidate what you owe, others work toward settling it. You see both before you choose.What does it cost to look?Reviewing your options is free and you are under no obligation.
Related
Other Records in This Directory
Housing AssistanceHome Windows Assistance ProgramSwap drafty, single-pane windows for new energy-saving ones — and make the whole house easier to heat and cool.Open Record →
Housing AssistanceBathroom Remodel Assistance ProgramMake the bathroom safe again — walk-in showers, grab bars, and non-slip floors built for getting older at home.Open Record →
Housing AssistanceRoofing Assistance ProgramFix the leak or replace the roof before the damage moves inside the walls and gets expensive.Open Record →
Ready to check the Debt Relief Assistance Program?
Free to look. No obligation, and nothing to sign today.
