If you’re among the millions struggling with student loans, you’ve probably felt the crushing weight of payments you can’t afford. But after watching 5.8M Americans fall 90+ days behind on federal loans, Relief now hopes to land a spot on your phone as your personal debt negotiator. The app syncs all your accounts in one dashboard, automatically identifying forgiveness programs you qualify for, and handling the paperwork so you can skip those dreaded calls to loan servicers.

• Relief has already enrolled over $8B in debt across 150K+ users, promising to reduce student loan payments by ~$200 monthly through automated program matching.
• Many users have already seen average credit card balance reductions of 50%, with some enjoying cuts as high as 70%.

The real test: Relief’s pitch sounds like a lifeline when you consider that just one single overdue student loan can knock 87 to 171 points off your credit score (damage on par with bankruptcy). Still, whether it works for you likely depends on your specific debt mix, as the typical $200 monthly savings could be the difference between staying above water and defaulting. Deciding to try it out really hinges on how stressed you are by your debt and how much you’re ready to trust an app with negotiations you’ve avoided for months.