Debt Relief / Company / Turbodebt

How Much Does Turbo Debt Cost in 2025?

Written by Ben Tejes
Updated May 6th, 2025
TurboDebt will likely not charge you any costs, but may sell your data to a debt relief firm that charges up to 25% of your enrolled debt amount.

Who may TurboDebt send you to?

TurboDebt is the exclusive partner of National Debt Relief, and National Debt Relief implies a fee of around 21% of the amount of debt you enroll. Here's from National Debt Relief's site: Clients who can stay with the program and settle all their debt realize approximate savings of 46% before fees, or 25% including our fees, over 24 to 48 months.

So, if you enroll for $100,000, you would pay around $21,000 in fees.

If your accounts are already behind on payments, debt consolidation may be an excellent option to settle your accounts for less. That said, you can use this free 30-second calculator to compare the fees of different providers.

If your accounts are current, credit counseling may be an excellent option, where a nonprofit credit counseling agency would negotiate the interest rates on your debt. You do not have to fall behind on your debt, and you potentially get all your credit card accounts in one payment, and you may get a lower payment on a fixed payment plan. If that's interesting to you, you can use this free calculator to estimate your qualification.

What is TurboDebt?

From my research, I believe that TurboDebt is a marketing company that sells leads to its exclusive partner, National Debt Relief or other debt relief partners, using social media ads like the ones below to generate business.

The TurboDebt ad below shares that you don't have to pay back the debt, and you aren't going to take a huge hit on your credit, but what is the product that they are offering?


TurboDebt ad stating that you don't have to pay back debt and you aren't going to take a huge hit on your credit.


Debt settlement (also known as debt relief and debt consolidation programs) is when a third party negotiates with your creditor on your behalf. The goal of a debt settlement firm is to find a lower payment that will fully satisfy the debt that you owe.


Debt settlement may be a great option for you, but it’s helpful to understand each of your options, including non-profit credit counseling and bankruptcy, as there are definite cons to debt settlement. Here are some of the key cons to consider: 

1) Your debt falls behind, so creditors may eventually sue you in a debt collection lawsuit to recover funds.
2) If your accounts are current, your credit score could plummet. Using a debt settlement credit score simulator, it showed that a credit score could go down over 150 points!
3) You may have to pay taxes on forgiven debt. Now, there may be some ways to legally avoid paying taxes on unpaid debt, but it's helpful to estimate whether you may be liable to pay taxes.

Now, if you are struggling with making payments on your debt and wondering what to do next, we have built a free, unbiased debt options comparison calculator (not even an email address is required) that provides a wide range of debt options that may be able to fit your budget. The data is personalized to your income and expenses, so you can get accurate costs, pros and cons, and options.

Are TurboDebt’s Claims Accurate?

Unfortunately, their claims that your credit score will not be impacted and you won’t have to pay them anything may not tell you the whole story.

Technically speaking, they can make their big claims since they are just the middle-man that connects you to a debt settlement company. This is because their free consultation matches you to a company and does not interfere with your financial accounts. 

So while, yes, technically your credit score won’t be hurt and you won’t have to pay them back, the claim still instills a sense that these are true for debt settlement as a whole. TurboDebt connects individuals to debt settlement programs. Debt settlement DOES in fact lower your credit score significantly and is not without cost. In most cases, you will still owe a percentage of your debt and a fee to the company that negotiates the debt on your behalf. 

Let's next cover Turbo Debt's history.

TurboDebt History

TurboDebt appears to be a newer entity.

In an earlier article, we did a deep dive into TurboDebt’s history, and learned that the company only has a digital presence that dates back to March 24, 2020. This means that TurboDebt is just over two and a half years when this article was updated. The brevity of the company’s history is interesting when compared to the amount of reviews it has.

In fact, TurboDebt has amassed almost as many Google reviews in 2 years as National Debt Relief acquired over a span of 13 years. With over 2,000 reviews, TurboDebt has earned a 4.9 out of 5-star rating on Google. In addition, Turbo Debt commands over 3,900 reviews on TrustPilot, with the most recent review coming today, and the oldest positive review from August 26, 2021. Also, at the time of this writing, I could not find any TurboDebt BBB accreditation.

So, you're probably wondering how much debt relief companies like TurboDebt may cost you each month.

How Does TurboDebt Work?


According to TurboDebt's Google My Business Page, in 2025, TurboDebt is an exclusive partner of National Debt Relief, which means that TurboDebt refers you to National Debt Relief and potentially earns a commission. So, in order to understand what your full experience may be, it could really be helpful to read the National Debt Relief reviews.

TurboDebt Google screenshot that shows exclusive partner of National Debt Relief

Let's understand TurboDebt reviews and how the company may function.

Understand the Turbo Debt Reviews

The Turbo Debt reviews are extremely positive. One question is, when did Turbo Debt request a review from the individual? Is TurboDebt requesting a review after you've just been promised that your debt burden will be eliminated?

If you are considering debt relief, you may consider the following:

1. TurboDebt's Other TrustPilot Reviews

It may be helpful to review specific Trustpilot reviews. For example, take this example where the individual was attempting to transfer someone to Lexington Law, only to not qualify.

1 star TurboDebt review that states that they were misled.

2. National Debt Relief reviews

If you're working with National Debt Relief, reviewing National Debt Relief's 417 BBB complaints in the last 3 years or one of our articles covering National Debt Relief could be helpful.

Understand the Sign-Up and Day-to-Day Process

Let's review where Heather got connected to Turbo Debt to get placed into the National Debt Relief program.

For example, check out this recent TrustPilot review.

Turbo Debt helps people sign up for National Debt Relief.

There are many reviews on Google from confused clients who thought they would work with TurboDebt. However, they quickly got handed off to another company. According to TurboDebt’s own website, their goal is to “connect clients to debt relief programs that fit their unique needs.” This means that TurboDebt’s function is to market to the population, find relevant leads, and match them to one of the companies with which they are partnered. 

Source: TurboDebt.com

Most likely, this means that TurboDebt makes money off of sponsorships from its partnered companies. Unfortunately, when company recommendations are tied to profit, two things are likely:

  1. TurboDebt’s recommendations may be based on who is paying the best, not which company matches your situation the best.
  2. There is a chance that what you pay to the company you are matched with will be inflated to make up for the cost of connecting with you. 

So, Do You Work With TurboDebt?

There may be a period where you actually work with TurboDebt, but that will only be spent figuring out which company to work with. Once the connection has been made, you will likely not be in contact with TurboDebt again. Even if you do get back in touch with TurboDebt, they will not have any information on how your case is being handled. 

In short, no, you will not be working extensively with TurboDebt.

Alternatives to TurboDebt

If TurboDebt isn’t what you thought it was, and you are still looking for debt relief options, you still have some choices! Depending on where you are at in your debt relief journey, there are many things you can do. Here are just a few examples:

Debt Management

If the lack of credit score impact and no extra payments intrigued you, consider looking into debt management. There is still a chance that your credit score will be slightly impacted, but not nearly as badly as some of the other debt-relief options. Debt management allows you to look at your debt payments as a whole and break them down into more manageable and organized payments. Sometimes, this includes asking your creditors for smaller payments or a break in payments, but you will still be paying off the entirety of the debt. 

Debt Settlement (Less expensive)

Ultimately, TurboDebt is connecting you to a debt settlement firm. However, your rate may be inflated because the cost of customer acquisition is high. Instead, research the best debt settlement companies and contact them yourself! While your credit score may still be impacted, you could save a little on the cost. 

Bankruptcy

If paying off your debt isn’t an option, then bankruptcy might be your best bet. While you will see a drop in your credit score, there is a chance that bankruptcy is the lowest-cost option you have. 

The free debt relief cost calculator provides a personalized estimate of each option based on your unique expenses.


Conclusion

Overall, TurboDebt is a marketing company that refers individuals to National Debt Relief.

Make sure you understand what TurboDebt is before you begin working with them. If you would like to talk to someone about options, give me a call at 833-272-3631! We love giving accurate and unbiased information that can help you make a decision based on your unique situation!