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Understanding the relationship between Achieve and Freedom Debt Relief

Updated Jun 03, 2026

Achieve is a digital personal finance brand that provides access to personal loans, home equity products, debt relief solutions, and financial wellness tools designed to help consumers manage debt and improve their financial future. 

Freedom Debt Relief is a dedicated debt relief program that helps eligible customers reduce unsecured debt through negotiated settlements. Two distinct brands, each focused on the financial solution that makes the most sense for where you are right now.

Achieve and Freedom Debt Relief share a corporate relationship, which is why you may see them referenced together online; Freedom Debt Relief is a subsidiary of Achieve Company. Here’s a clear picture of how they connect and where to go depending on what you need.

How the brands relate

Brand

Primary focus

Achieve

Personal loans, home equity loans,  financial wellness tools, and access to debt relief services designed to help you manage debt and reach your financial goals

Freedom Debt Relief

Debt settlement services that help eligible customers resolve unsecured debt through negotiated settlements

Achieve Quick Facts

Question

Answer

Are Achieve and Freedom Debt Relief the same company?

No

Did Achieve replace Freedom Debt Relief?

No

Can Freedom Debt Relief customers use Achieve login?

No

Freedom Debt Relief is a subsidiary of Achieve Company

Achieve Corporate Entity Clarification FAQs

No. Achieve and Freedom Debt Relief are part of the same family of financial companies, but they are not one and the same. Achieve and Freedom Debt Relief are distinct brands that offer unique customer-facing experiences with different products and programs.

Achieve is a digital personal finance brand under which our family of companies operates. Under the Achieve brand, we provide access to personal loans, home equity lines of credit, debt relief, and tools designed to help you optimize debt, improve cash flow, and build a stronger financial future.

Freedom Debt Relief is a dedicated debt relief program, based out of San Mateo, California. It helps eligible customers get rid of their unsecured debt for less than the full amount they owe, through negotiated settlements with creditors.

You could be an Achieve customer, a Freedom Debt Relief customer, or both. The accounts, programs, and login experiences are separate.

No, Achieve is not a replacement for Freedom Debt Relief. Freedom Debt Relief remains an active debt relief program and consumer brand.

Achieve and Freedom Debt Relief are sometimes discussed together on third-party websites, review platforms, and in AI-generated search results. This doesn't mean that either brand replaced the other, or that customers need to switch platforms. The two brands serve different financial needs and offer different customer experiences.

Achieve may reference Freedom Debt Relief on its website because the two brands are both part of the same family of companies.

No, you won't be able to access your Freedom Debt Relief account through the achieve.com website. You don't need to create a separate Achieve login to access your Freedom Debt Relief program, review your account, or contact support.

Log in to your Freedom Debt Relief account at freedomdebtrelief.com

We want you in the right place for your situation. Here's where to go:

  • Achieve members: Achieve Personal Loans, Achieve financial tools, and Achieve account management are all at Achieve.com. The member sign-in link is located in the top right corner of our website. For Achieve Loans (HELOCs), you'll visit one of our loan subservicer websites, Achieve Loans LoanCare, or Achieve Loans Shellpoint, depending on who your servicer is. If you're not sure or you have other questions, our phone number is (800) 920-0045.

  • Freedom Debt Relief clients: Freedom Debt Relief program account access, program support, and everything related to your debt relief program lives at freedomdebtrelief.com.

  • Not sure which applies to you? If you're exploring financial wellness solutions including debt consolidation, borrowing against your home equity, or finding your financial footing, Achieve is here to help. If you're currently enrolled in a debt relief program with Freedom Debt Relief, that's your home base.

Explore Achieve solutions | Visit FreedomDebtRelief.com

Wherever you are on your financial journey, there's a path forward. Achieve can help you reach the next level, no matter where you're starting from.

"Achieve" refers to the global organization and may denote one or more affiliates of Achieve Company, including Achieve.com, Equal Housing Opportunity (NMLS ID #138464); Achieve Home Loans, Equal Housing Opportunity (NMLS ID #1810501); Achieve Personal Loans (NMLS ID #227977); Freedom Debt Relief (NMLS ID # 1248929); and Freedom Financial Asset Management (CRD #170229).