Navicore Solutions review September 2024: Features, pricing, and more 

Navicore Solutions

Affiliations/accreditations:	Better Business Bureau (BBB), Council on Accreditation, United States Department of Housing and Urban Development (HUD)
Debt management plan fees:	$48 enrollment fee, $27 per month
BBB rating:	A+

Pros and Cons

Pros

• Affordable monthly plan
• Student loan forgiveness programs
• 30 years of experience

Cons

• It can take years to pay off debt
• It does not offer a debt settlement solution
• Phone number sends you to the website instead of connecting you to a live person to answer questions

Who is Navicore Solutions good for?

Navicore Solutions is good for anyone who has secured or unsecured debt and wants advice on how to manage and pay it off better. While those with high amounts of debt are attracted to the services, Navicore Solutions will work with anyone who has debt, regardless of the amount. The goal is to get consumers out of unsecured debt within five years, with some consumers getting debt-free in as little as two years.  Another thing to consider is whether you connect with the counselors. As David L. Blain, Chartered Financial Analyst (CFA) and chief executive officer (CEO) at BlueSky Wealth Advisors says, “The most important factor is finding counselors you connect with, who take time to understand your needs and provide a realistic plan to regain control of your finances.” 

Who shouldn’t use Navicore Solutions?

Navicore Solutions is not an alternative for those seeking debt settlement solutions. While its debt management plans may help lower payments and reduce interest rates, it does not negotiate a settlement payoff with creditors. Those seeking debt settlement should consider other companies that offer this service. 

Navicore Solutions services

Navicore Solutions offers five core services:

• Debt Management Plan: This plan reviews the debt that you have and creates a plan to reduce interest and fees so that you can pay off the debt in five years.
• Housing Counseling: This service examines your mortgages and provides advice on options to meet the monthly obligation better. It may also provide foreclosure counseling to consumers. 
• Student Loan Help: Certified student loan counselors will help you develop a plan to pay off high-interest student loans. There may be some forgiveness programs available to eligible borrowers. 
• Bankruptcy Counseling: This program provides the required counseling to those seeking bankruptcy services and may help consumers develop a plan to rebound financially from bankruptcy. 
• Disaster Recovery: Offers comprehensive financial and housing counseling to those who have fallen victim to hurricanes or other natural disasters. 

How Navicore Solutions fees work

Navicore Solutions’ fees are transparent and affordable. There is a $48 enrollment fee and a $27 per month fee for counseling. The fee does not go up for more debt. It is the same for all credit counseling consumers enrolling in services. 

Navicore Solutions’ consumer reviews

Navicore Solutions does not have many online reviews. While they are A+ rated with the BBB, it has six complaints filed within the past three years. Navicore Solutions has around 30 customer reviews with an average score of 4.86 stars out of five. 

What people like about Navicore Solutions is that it helps consumers handle their debt for them. Consumers note how the company has worked with creditors on their behalf and helped them pay off debt. The complaints note that accounts still showed late on payments, and this was hurting their credit years later. 

Navicore Solutions alternatives 

Navicore Solutions	Apprisen	American Consumer Credit Counseling
Set-up fee	Set-up fee	Set-up fee
$48	$45	$39
Monthly cost	Monthly cost	Monthly cost
$27	$45	$7 per account capped at $70
Average time to see change	Average time to see change	Average time to see change
3-5 years	3-5 years	3-5 years
Learn more		Learn more
Read more Credit Counseling picks		Read our review of American Consumer Credit Counseling

The takeaway 

As Blake Harris, lead attorney at Blake Harris Law notes, “Credit counseling services are a great resource for anyone looking to manage debt and improve financial skills.” Navicore Solutions has a history of helping consumers with paying off debts in a timely fashion. It works with all sorts of secured and unsecured debt to help you get the best interest rates and reduce monthly payments, allowing you to pay off more of the principal balance. Consumers can set up a free consultation to see if Navicore Solutions is right for them.