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Program Solutions

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  • FREE Personalized Program Savings Estimate
  • Get Financial Relief
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  • Reduce Your Unsecured Debts Faster
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Debt Solution Finder

Use the following sliders to enter your qualified debt below:


To QUALIFY, you must have at least $10,000 in total debt.

Which debt types qualify & which types do not?

Programs accept unsecured debt, meaning debt that is not backed by any collateral. The primary qualified debts include credit card balances, store card balances, and unsecured (personal) loans. However, programs may be able to enroll additional unsecured debt types, including: outstanding medical bills, collections, private (non-federal) student loans, & more.









Am I eligible for these proven solutions?

Different programs have different eligibility requirements. The partners and programs New Step Financial work with utilize these 3 basic criteria for establishing if someone is eligible or not for their program. If you answer YES to each of the below criteria - you will meet the eligibility requirements necessary.

At least $10K+ in debt

This serves as a minimum baseline amount for the solutions we provide.

Our solutions focus on helping people who have suffered some sort of hardship, a loss of income, a medical issue or anything that has contributed to amassing more debt than they can afford to pay back.

Debt is Unsecured

We work with credit card, store card, unsecured loans, or balances without any collateral attached. Payday loans, credit cards, and medical bills are all forms of unsecured balances.

Our solutions are not an option for balances with collateral, such as: secured loans, mortgages and auto loans.

You have an income

To be eligible for these programs, you have to show you have some source of monthly income and can make payments.

Income sources include: full or part time employment, pension, social security, disability, etc.

Why choose New Step Financial to assist you with your debt?

If you have unsecured debt - you are not alone! A vast majority of people in the US are carrying significant debt and everyone's situation is a little different. There are often multiple routes and various options one can take to address their debt based upon their particular circumstances. However, most people don't know what those options are.

New Step Financial helps explain and identify the most logical debt solution(s) available for that individual's particular situation and then directs them to the best resource to facilitate that solution. We only work with the most trustworthy and reputable partners to ensure the best results and help as many people as we can. We understand how frustrating and stressful carrying debt can be - that is why we do our very best to educate our clients and facilitate solutions to help get them out of debt.

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What is the New Step Financial process?

New Step Financial makes the process quick and simple to help people reduce or completely eliminate their unsecured debts.. Your eligibility is first verified with a few short online questions. After that, you will have a brief call with one of our NSF representatives to learn more about your financial situation and answer any questions. After learning more about your financial situation and goals, NSF will offer suggestions for the best program solutions. We will then direct you to the best and most trusted partners in the industry to assist you in implementing your chosen program solution. Having no unsecured debt is closer to achieving than most people believe.


Your New Step Financial (NSF) financial consultant will ask you some basic questions regarding your finances to better evaluate your options.


Your NSF consultant will talk with you to explain the various program options available and find the best solution to get you debt free.


After deciding which program will benefit you the most, we connect you directly to the partner that specializes in that specific program.


Most programs result in lower monthly payments and are typically completed in as little as 24-48 months.

Frequently Asked Questions

Below are some of the more common questions asked. For additional questions, please feel free to call 888-348-4433 to speak with a NSF representative.

While individual outcomes can vary, our clients typically see a significant reduction in both interest charges and principle balances owed.

Debt relief is an opportunity to put your unsecured debts behind you without typically needing to pay the full amount owed. There is a team of debt experts who negotiate on your behalf with your creditors. Their goal is to get them to agree to settle for less than the full amount you owe, so you can resolve your unsecured debts for less and in a shorter amount of time than other debt solutions.

Our Debt relief program is simple to understand and can summarized into 4 phases:

Build  -  Each month, you make a deposit into an FDIC-insured dedicated account that you control. As your account grows, we create and build a custom plan to resolve the unsecured debts included in the program.

Negotiate - After enough funds build up in your account, our team negotiates directly with your creditors to set new amounts for your debts, which are typically significantly less than you owe.

Settle - Our expert negotiators work hard to maximize your possible savings. Every time one of your creditors agrees to settle one of your debts, we contact you for your authorization and approval.

Complete - After the mutually agreed upon settlement amount has been fully paid on each account, you no longer owe your creditors. All your unsecured debts you included in the program is behind you!

We can only assist with unsecured balances. These are balances without any form of security or collateral attached to them. Payday loans, credit cards, and medical bills are all forms of unsecured balances. Mortgages and auto loans are secured balances that are ineligible for any programs we utilize. Additionally, we are unable to help with federal student loans.

Contact us for additional information if you’re still unclear whether you have an eligible balance.

There are no up-front costs, and NSF and our partners only get paid if you enroll balances and they are effectively reduced. NSF and our partner’s fees are performance-based, and that basis is on whether they are successful in negotiating better terms for you with your creditors.

We only work with the most trustworthy and respected financial partners. Each has its area of expertise and a high success rate for its solution(s). We make sure our partners treat clients with the same level of professionalism, compassion, and understanding as we do. In addition, all our partners have stellar ratings with TrustPilot and BBB.


New Step Financial may record or monitor calls for quality control and training. Upon completion of a successful program, clients who pay all monthly fees are expected to pay approximately 55% of their enrolled balances. Fees, which can range from 15% to 25% of the balance at the start of the program, are calculated as a percentage of the balance. Programs may last from 12 to 48 months. Before a settlement offer is made, clients may be required to save between 40% and 50% of their balances for each enrolled creditor. The first payment is usually received 4-6 months after enrollment, and subsequent payments are typically received every 3-6 months after the first balance is satisfied. Not all clients complete the program. Estimates may not reflect an individual's results and are based on past performance. The company does not take over balances, make regular payments to creditors, or provide tax, bankruptcy, accounting, legal, or credit repair advice or services. State-specific fees may apply and the program may not be available in all states. Using balance services may negatively affect a person's credit score. Creditors or collectors may file lawsuits or attempt to collect debts. Fees and interest may increase the outstanding balance. Clients may leave the program at any time without incurring fees and can receive all the money in their dedicated account, minus any money the company has earned or fees paid to third-party service providers, as applicable. Before enrolling, clients should read and understand all program materials. Enrollment is not allowed for certain balances, and some creditors may not be eligible for registration because the company does not negotiate with certain organizations. The company does not make performance guarantees, such as that balances will be reduced by a certain amount or percentage or that a client will be free of balances within a specific period. The company does not discriminate on the basis of ancestry, national origin, marital status, gender, race, color, or religion. Testimonials reflect the opinions of the people who provided them and may not represent their entire experiences.