Transform Lives and Earn Income: Join the Debt Help Referral Program
Help consumers break free from debt while building a lucrative business. Choose from three flexible tiers to start earning today!

The Problem
The Consumer Debt Crisis: A Growing Opportunity to Make a Difference
In recent years, Americans have faced unprecedented financial pressure, driven by spiking inflation and mounting debt levels.
- Rising Household Debt: As of Q3 2024, total U.S. household debt has soared to $17.94 trillion, continuing a post-pandemic upward trend. (Source: Reuters.com)
- Credit Card Debt at All-Time Highs: Credit card balances hit $1.17 trillion, with a $24 billion increase in Q3 2024 alone, as consumers rely on credit to make ends meet. (Source: Yahoo Finance)
- Delinquencies on the Rise: The delinquency rate climbed to 3.5% in Q3 2024, as more Americans fall behind on their payments. (Source: Freddiemac.com)
- Interest Rate Hikes: To combat inflation, the Federal Reserve raised interest rates multiple times since 2022, further increasing the cost of borrowing and making it harder for consumers to manage or reduce their debts. (Source: CNBC)
A Crisis of Unmanageable Debt
For many Americans, even paying the minimum payments on their credit cards has become unsustainable, as high-interest rates prevent meaningful progress toward reducing balances. Without intervention, these individuals face a cycle of mounting debt and financial insecurity.

The Solution
Debt Help: A Lifeline for Struggling Consumers
Every Step Toward Freedom Begins with a Conversation
Imagine the relief of sitting down with a dedicated certified debt specialist who truly listens—exploring your debt, understanding your financial goals, and outlining clear options for relief. In just minutes, qualified individuals can receive a personalized debt relief plan designed to provide immediate and lasting relief from overwhelming financial burdens.
As a Referral Partner, you are the bridge between those who are struggling and the help they so desperately need. For every individual you guide toward a debt-free future, you also earn generous commissions for each successful enrollment—making your efforts impactful and rewarding.
Consolidated Payments

Lower Debt Loads

Path to Financial Freedom

Get Started
Choose your Referral Partner Tier
Feature | Free Referral Partner | Co-Brand Referral Partner | White Label Referral Partner |
---|---|---|---|
Cost to Join | $0 | $499 (one-time) Example site | $10,000 (one-time) Example site |
Tracking Method | Custom tracking link | Co-branded website | Turn-key white-label website |
Branding | NovaeDebtHelp branding | Co-branded with your logo & domain | Fully branded as your business |
Commission on Enrolled Debt | 1% (consumer debt) $250 (business debt) |
2% (consumer debt) $500 (business debt) |
3% (consumer debt) $750 (business debt) |
Override Earnings Rate | 0.5% (consumer debt) | 1% (consumer debt) | 1.5% (consumer debt) |
Commission on Debt Cons. Loan | 20% of commission | 40% of commission | 60% of commission |
Tracking Dashboard Access | Yes | Yes | Yes |
Ideal For | Getting started with no cost | Building a recognizable brand | Creating a scalable business |
Enroll Now | Enroll for Free | Upgrade to Co-Brand | Launch White Label |
Partner Commissions
Visualize Your Earning Potential
With our easy-to-use calculators, you can instantly see how much you could earn as a Referral Partner. Estimate your direct commissions from referring clients and calculate your override earnings from building a network of Referral Partners. Whether you're just starting or aiming to scale, these tools help you visualize the income opportunities that lie ahead.