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StellarFi Forgave $50M of Consumer Debt

StellarFi believes in second chances — so we forgave tens of thousands of people’s debt. Check if you were part of the $50M in debt forgiven below.

Forgiveness Program

Check if you were a part of the $50M in forgiven debt

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What is StellarFi’s Debt Forgiveness Program?

No more never-ending calls and letters from debt collectors.

Earlier this year we bought several debts – from predatory payday loans to late utility bills – that had gone to collections.

We bought it so we could forgive it. Now you can see if you were one of the people whose debt was automatically forgiven by StellarFi.

Forgiveness Program
Forgiveness Program

Why did StellarFi forgive this debt?

Most Americans are carrying debt. It’s likely affecting your credit score, but more than that it’s probably stressing you out. It can feel hard to overcome and get back on track.

Sometimes you just need a bit of extra help.

Most of our members have faced difficult situations in which good credit and less debt would have helped. We decided to forgive this $50 million of consumer debt so tens of thousands would have one less obstacle in their way.

Testimonials that speak louder than words

Discover the secret behind the countless StellarFi members, who choose it as their go-to platform for credit building with every bill.

StellarFi builds your credit score with the bills you pay

Know your credit score

The first step is to know where you stand today. Get your credit score and report for free through StellarFi.

Get your bills in one place

Add your bill to your StellarFi dashboard. Think of it as a one-stop shop to know when your bills are due, and what their amounts are.

Build your credit score

We'll pay your bills automatically on their due date and pull the bill amount from your connected bank account. Your payments will be reported as credit to the major bureaus monthly.


Although you can’t apply, you can check to see if your debt was selected through the form on this page.

The debt that’s part of this program was already forgiven and we’re not currently accepting applications to forgive additional debt.

Those whose debt was forgiven did not apply for it. They were randomly chosen.

StellarFi sets out to solve one of the biggest economic problems faced by American consumers – access to credit.

StellarFi is the first credit builder that reports all bill payments as credit directly to the major credit bureaus: Experian® and Equifax®. As a public benefit corporation, StellarFi sets out to close the wealth gap by making credit universally accessible.

With our easy-to-use platform, you can track your bills and automate your payments to improve your overall credit score.

On-time payment of non-credit card-based bills, including rent, utilities, and streaming services, typically do not increase your credit score, but with StellarFi, they can. This builds up your payment history and optimizes your credit utilization, increasing your overall credit score.

StellarFi is a registered public benefit organization. That means we’re a for-profit business with a mission for public good. 

As part of our program, your debt was bought and forgiven by our company. This means it was forgiven entirely. 

We know that a good credit score is foundational to getting you back on your feet. To help you on your financial journey, we would like to offer you to join our credit building platform. As an added bonus, you’ll get $10 in promo credits off your first bill paid through StellarFi.  

When we purchased your debt from your original loan servicer, your contact information was passed along to us through your profile.

No. We are a credit building tool.

No, you do not owe StellarFi anything for forgiving your debt. 

No, we already forgave your debt. 

If you want to continue on a path to improving your financial future, the next step is to join StellarFi’s credit-building platform. With StellarFi, you’ll build your credit score by paying the recurring bills you’re already responsible for.

You’re part of our larger mission to forgive $1 billion in debt. We also welcome you to join us as a StellarFi member. 

We offer three different membership plans:

Lite: $4.99/mo
Prime: $0.99 the first 30 days, then $9.99/mo

Premium: $29.99/mo (coming soon)

The membership fee is charged the same day you enroll and there are no hidden fees. The fee will then be charged on the same day each month thereafter. For example, if you enroll on January 1st, your membership fee is charged on January 1st and your next fee is due on February 1st, etc.

We sent you an email stating your debt was paid and forgiven by StellarFi. Save this as proof and for future use.
You can also submit the form on this page.

On-time payment history can have a positive impact on your credit score. Nonpayment may negatively impact your credit score. StellarFinance, Inc. will report your on-time payments to Experian® and Equifax®. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

“SECONDCHANCE10” Promotion by StellarFinance Inc. (“StellarFi) and its affiliates is valid 12/13/2023 -3/31/2024 23:59:59 EST and is limited to those who sign up for a new account on StellarFi, and (i) do not have a paused, locked, or closed account, and (ii) have a Lite or Prime StellarFi membership Plan, and (iii) have successfully completed a bill or membership fee payment through StellarFi. Promotion expires 3/31/2024 23:59:59 EST. Individuals will receive a credit to their StellarFi account of $10 USD, which may be used as “Credits” toward their future membership fees or bills. “Credits” will automatically be applied to the next withdrawal on a StellarFi account. “Credits” may not apply as a refund to any bills or fees and never be redeemed for cash. The credit deposit will come in the form of a deposit labeled as “SECONDCHANCE10”, and will be available in a member’s account within 30 days after they meet the criteria set forth above. StellarFinance, Inc. reserves the right to modify or cancel the offer at any time. Individuals are limited to use of one “SECONDCHANCE10” credit per account. Only applicable to qualified StellarFi members or prospective members. See StellarFi’s full Terms of Service here.
Program is void where prohibited or if accounts or transactions are fraudulent, abusive, not completed through legitimate channels, in violation of these terms, or irregular in any way.