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A simple side-by-side view. Educational only.

Upfront fees

None*

Free analysis

Minutes online

Support

Client-first

	Debt Settlement	Debt Consolidation
Goal	Reduce overall balance	Simplify/Lower payment
Typical fit	High unsecured debt; hardship	Qualify for lower APR/loan
Credit impact	Possible	Depends on product
Timeline	Often 24–48 months*	Loan term dependent
Guarantee	No	No

*Illustrative ranges. Results vary by client and creditor participation.