How Achieve and Freedom Debt Relief work together to help people like you manage debt

Achieve is a digital personal finance company, designed for people who want to consolidate debt, access a personal loan, or put the equity in their home to work.

Freedom Debt Relief is a dedicated debt relief program, designed for people who want to resolve unsecured debt for less than the full amount owed, through a structured negotiation program.

Two brands, each built for a different kind of debt situation.

Freedom Debt Relief is a subsidiary of Achieve Company, which is why you may see Achieve and Freedom Debt Relief mentioned together in search results or on third-party sites. Each offers a unique customer experience with its own programs, its own team, and its own website.

Here's how they work, how they differ, and how to find the right fit for where you are right now.

What is Achieve?

Achieve is a digital personal finance company headquartered in Tempe, Arizona. The platform offers access to financial products and tools designed to help people optimize debt, improve cash flow, and reach long-term financial goals.

Achieve products include:

• Personal loans. A fixed-rate loan through Achieve Personal Loans that you could use for debt consolidation, home improvement, or other financial goals.

• Home equity line of credit (HELOC). A fixed-rate revolving credit line offered by Achieve Loans and secured by your home. 

• Financial wellness tools. Free calculators and resources at Achieve.com to help you find out where your money goes and how to get ahead.

Achieve is a lending and financial wellness platform focused on debt consolidation and long-term financial health.

What is Freedom Debt Relief?

Freedom Debt Relief is a dedicated debt relief program founded in 2002, headquartered in San Mateo, California. The program helps eligible customers get rid of unsecured debt for less than the full amount owed, through negotiated settlements with creditors.

Freedom Debt Relief is not a lender. It does not offer personal loans or home equity products. Freedom Debt Relief’s focus is exclusively on debt settlement for eligible customers who are struggling with unaffordable unsecured debt.

Here's how the program works:

• Eligible customers enroll their unsecured debts in the program. Eligible debts include credit cards, medical debts, most personal loans, and many other unsecured debts.

• Each month, customers make deposits into a dedicated account set up for the purpose of setting aside money for settlement offers. The client always owns and controls this account and the money in it. 

• Freedom Debt Relief works to negotiate with creditors. The goal is to get them to agree to accept less than the amount owed but consider it payment in full.

• Once Freedom Debt Relief reaches an agreement with the creditor, that agreement is presented to the client for their review and approval. If the client approves, payment is made to the creditor from the dedicated account. Freedom Debt Relief’s fee is also paid from the dedicated account.

• The program takes time. There is no fixed end date. Most clients see their first debt settlement within a few months. Many complete their program in as little as two to four years.

How Achieve and Freedom Debt Relief differ in their approach to debt

Achieve focuses on consolidation and financial optimization through lending products. Freedom Debt Relief focuses on resolution through negotiated settlements. The table below lays out the key differences.

How Achieve and Freedom Debt Relief work together in the debt journey

Achieve and Freedom Debt Relief are consumer brands within the same family of companies, which is why you may see both names surface in the same search result, review site, or AI-generated summary. That shared connection does not mean the two brands offer the same thing or that customers need to use both.

Within that broader ecosystem, each brand handles a different part of the debt journey. Achieve is built for customers who can afford their debts and qualify for a new loan. Freedom Debt Relief is built for clients who need a structured program to manage unaffordable debt.

A customer could use Achieve products at one point in their financial life and enroll in Freedom Debt Relief at another.

When to use Achieve vs Freedom Debt Relief

Achieve could be a good fit if you:

• Want to consolidate higher-interest debt into a single lower-interest new loan

• Have equity in your home and want to borrow against it at a fixed rate

• Are looking for financial tools and resources to help manage your money

Freedom Debt Relief could be a good fit if you:

• Have unsecured debt that feels unmanageable

• Are struggling to keep up with minimum payments

• Are looking for an alternative to bankruptcy or other debt relief options

Learn more about Achieve

Not sure which path fits your situation? Achieve loan consultants can help you sort it out. Call (800) 920-0045 to talk with someone on the Achieve team at no cost.

Wherever you are on your financial journey, the next level is reachable. Achieve is here to help you get there.